Sunmark
Albany, NY · Charter 68710 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
$1.2BAssets
$929.1MLoans
$1.1BShares
$113.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 84% of credit unions $1B-$10B in assets (rank 71 of 435).
- Widest gap: nonperforming loans / loans trails 86% of credit unions $1B-$10B in assets (rank 376 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.81%
Rank 215 of 435
Net Interest Margin
3.92%
Rank 71 of 435
Efficiency Ratio
78.74%
Rank 345 of 435
Equity / Assets
9.35%
Rank 362 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.55% | 0.81% | 1.14% | Beats 51% | 215 / 435 | | |
| Return on Equity | 8.67% | 5.12% | 7.41% | 9.70% | Beats 65% | 152 / 435 | | |
| Net Interest Margin | 3.92% | 3.01% | 3.39% | 3.75% | Beats 84% | 71 / 435 | | |
| Efficiency Ratio | 78.74% | 65.25% | 71.39% | 77.86% | Beats 21% | 345 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.37% | 0.45% | 0.69% | 1.05% | Beats 14% | 376 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.35% | 9.81% | 10.84% | 12.63% | Beats 17% | 362 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.35% | 9.81% | 10.84% | 12.63% | Beats 17% | 362 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.07% | 78.33% | 88.38% | 95.61% | 41st pctl | 256 / 435 | | |
| Loans / Assets | 76.81% | 67.69% | 74.58% | 80.80% | 58th pctl | 183 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |