PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Syracuse Fire Department Employees

Syracuse, NY · Charter 6627

NCUA · 1 branch

Q2 2026

$147.4MAssets
$77.6MLoans
$125.0MShares
$22.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.80%, up 10 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.95% of loans (+41 bps YoY).
  • Capital: net worth / assets of 15.18%, up 43 bps from a year ago.
  • Funding: loans stand at 62.05% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.80%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.54%+16 bps YoY

Efficiency Ratio (quarter, annualized)

56.41%+102 bps YoY

Net Worth / Assets

15.18%+43 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.71%1.57%2.05%1.80%+10 bps
Return on Equity11.51%11.38%10.54%13.73%11.87%+36 bps
Net Interest Margin3.38%3.40%3.29%3.52%3.54%+16 bps
Efficiency Ratio55.39%55.37%57.95%52.42%56.41%+102 bps
Growth
Asset Growth (YoY)4.77%5.10%8.31%8.14%8.34%+357 bps
Loan Growth (YoY)7.26%3.33%4.22%2.78%4.94%-232 bps
Share Growth (YoY)4.09%4.00%7.48%7.33%7.53%+344 bps
Asset Quality
Delinquent Loans / Loans0.54%0.79%0.97%0.77%0.95%+41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.75%14.98%14.87%14.91%15.18%+43 bps
Net Worth / Assets14.75%14.98%14.87%14.91%15.18%+43 bps
Liquidity & Funding
Loans / Shares63.58%63.58%62.82%61.25%62.05%-153 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps