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Sunnyside Federal Savings and Loan Association of Irvington

Irvington, NY · Cert 28805 · Vecta Partners LLC

State savings bank · OCC · 1 branch

Q2 2026

$82.3MAssets
$46.6MLoans
$72.2MDeposits
$9.8MEquity
Loan mix
94%RE $44.2M3%C&I $1.2M4%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $64.7M10%Noninterest $7.5MQ2 2025Q2 2026

NIM

4.67%Q2 ’244.91%Q2 ’255.11%Q2 ’26-11%+7%

Non-interest income vs. expense

4.31%Q2 ’244.22%Q2 ’254.49%Q2 ’26-2%+8%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #132 of 151 inst. · $0.1B of $2921.1B

Executive Summary

  • Earnings: ROA of -0.73%, up 74 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.18% of loans (-4 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 12.26%, down 17 bps from a year ago.
  • Funding: loans stand at 64.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.73%+74 bps YoY

Net Interest Margin (quarter, annualized)

3.54%+24 bps YoY

Efficiency Ratio (quarter, annualized)

123.21%+149 bps YoY

Tier 1 Leverage Ratio

12.26%-17 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.47%-2.32%0.32%-0.97%-0.73%+74 bps
Return on Equity-12.23%-20.48%2.81%-8.18%-6.18%+605 bps
Net Interest Margin3.30%3.51%3.42%3.30%3.54%+24 bps
Efficiency Ratio121.72%162.86%89.50%115.95%123.21%+149 bps
Non-Interest Burden4.02%5.77%2.97%3.81%4.35%+34 bps
Growth
Asset Growth (YoY)-5.19%4.13%-1.15%-1.82%-5.05%+14 bps
Loan Growth (YoY)0.58%-3.72%1.04%5.77%6.80%+621 bps
Deposit Growth (YoY)1.76%14.57%-1.35%-1.42%-4.95%-671 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.31%0.20%0.20%0.18%-4 bps
Net Charge-Offs / Loans1.21%-0.11%0.37%-0.02%-0.02%-123 bps
Allowance / Loans1.19%1.28%1.23%1.31%1.25%+6 bps
Allowance Coverage of NPLs5.4x4.1x6.0x6.5x6.9x+1.5x
Capital
Tier 1 Leverage Ratio12.43%12.15%12.09%11.92%12.26%-17 bps
Total Risk-Based Capital23.34%20.57%20.85%19.79%20.96%-238 bps
Equity / Assets11.97%10.75%12.03%11.76%11.91%-5 bps
Liquidity & Funding
Loans / Deposits57.43%51.15%56.50%62.24%64.52%+710 bps
Liquid Assets / Assets10.02%17.81%10.46%5.68%7.50%-253 bps
CRE / Total Capitaln/a236%232%256%n/an/a