Syracuse, NY · Charter 6627
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
35
Profitability
73
Liquidity
76
Efficiency
92
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Syracuse, NY · Charter 6627
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.30% | 1.71% | 1.70% | 1.71% | 1.57% | 2.05% | 1.80% | +10 bps | |
| Return on Equity | 9.11% | 8.97% | 11.85% | 11.51% | 11.38% | 10.54% | 13.73% | 11.87% | +36 bps | |
| Net Interest Margin | 2.98% | 3.05% | 3.38% | 3.38% | 3.40% | 3.29% | 3.52% | 3.54% | +16 bps | |
| Efficiency Ratio | 59.17% | 61.17% | 54.73% | 55.39% | 55.37% | 57.95% | 52.42% | 56.41% | +102 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.61% | 5.04% | 5.83% | 4.77% | 5.10% | 8.31% | 8.14% | 8.34% | +357 bps | |
| Loan Growth (YoY) | 11.85% | 13.15% | 12.04% | 7.26% | 3.33% | 4.22% | 2.78% | 4.94% | -232 bps | |
| Share Growth (YoY) | 4.94% | 4.66% | 5.36% | 4.09% | 4.00% | 7.48% | 7.33% | 7.53% | +344 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.93% | 0.34% | 0.54% | 0.79% | 0.97% | 0.77% | 0.95% | +41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.19% | 14.44% | 14.45% | 14.75% | 14.98% | 14.87% | 14.91% | 15.18% | +43 bps | |
| Net Worth / Assets | 14.19% | 14.44% | 14.45% | 14.75% | 14.98% | 14.87% | 14.91% | 15.18% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.99% | 64.79% | 63.96% | 63.58% | 63.58% | 62.82% | 61.25% | 62.05% | -153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Syracuse, NY · Charter 6627 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.80%
Rank 131 of 1,683
Net Interest Margin
3.54%
Rank 1,091 of 1,683
Efficiency Ratio
56.41%
Rank 133 of 1,682
Equity / Assets
15.18%
Rank 534 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.80% | 0.35% | 0.74% | 1.18% | Beats 92% | 131 / 1,683 | ||
| Return on Equity | 11.87% | 2.67% | 5.89% | 8.74% | Beats 91% | 149 / 1,681 | ||
| Net Interest Margin | 3.54% | 3.31% | 3.82% | 4.32% | Beats 35% | 1,091 / 1,683 | ||
| Efficiency Ratio | 56.41% | 68.91% | 78.20% | 86.93% | Beats 92% | 133 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,088 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.18% | 10.44% | 12.89% | 16.53% | Beats 68% | 534 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.18% | 10.44% | 12.89% | 16.53% | Beats 68% | 534 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.05% | 52.61% | 69.38% | 83.50% | 38th pctl | 1,051 / 1,683 | ||
| Loans / Assets | 52.64% | 44.71% | 59.18% | 70.72% | 39th pctl | 1,033 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||