Solvay, NY · Charter 8512
NCUA · 2 branches
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
11
Asset Quality
44
Profitability
38
Liquidity
96
Efficiency
38
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.
Solvay, NY · Charter 8512
NCUA · 2 branches
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 | 0.83% | 0.87% | 0.58% | 0.75% | 0.78% | 0.76% | 0.37% | 0.62% | -14 bps | |
| Return on Equity | 9.06% | 9.39% | 6.29% | 8.00% | 8.07% | 8.04% | 4.12% | 6.83% | -117 bps | |
| Net Interest Margin | 3.14% | 3.16% | 3.32% | 3.35% | 3.40% | 3.30% | 3.00% | 3.04% | -31 bps | |
| Efficiency Ratio | 78.99% | 77.75% | 85.68% | 80.09% | 79.29% | 80.06% | 88.36% | 82.09% | +200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.85% | 13.96% | 7.20% | 4.89% | 3.55% | 5.71% | 10.49% | 12.31% | +742 bps | |
| Loan Growth (YoY) | 12.14% | 15.17% | 25.88% | 27.02% | 23.74% | 16.60% | 10.47% | 9.59% | -1,743 bps | |
| Share Growth (YoY) | 19.11% | 13.96% | 6.58% | 4.02% | 2.86% | 5.22% | 10.50% | 12.78% | +875 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.66% | 0.34% | 0.49% | 1.16% | 1.06% | 0.52% | 0.78% | +29 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 | 9.11% | 9.23% | 9.17% | 9.38% | 9.62% | 9.47% | 8.96% | 9.01% | -37 bps | |
| Net Worth / Assets | 9.11% | 9.23% | 9.17% | 9.38% | 9.62% | 9.47% | 8.96% | 9.01% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.11% | 63.74% | 65.77% | 70.00% | 72.31% | 70.63% | 65.76% | 68.03% | -198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Solvay, NY · Charter 8512 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.62%
Rank 994 of 1,683
Net Interest Margin
3.04%
Rank 1,430 of 1,683
Efficiency Ratio
82.12%
Rank 1,040 of 1,682
Equity / Assets
9.01%
Rank 1,504 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 41% | 994 / 1,683 | ||
| Return on Equity | 6.83% | 2.67% | 5.89% | 8.74% | Beats 59% | 684 / 1,681 | ||
| Net Interest Margin | 3.04% | 3.31% | 3.82% | 4.32% | Beats 15% | 1,430 / 1,683 | ||
| Efficiency Ratio | 82.12% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,040 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.78% | 0.26% | 0.65% | 1.29% | Beats 44% | 942 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.01% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,504 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.01% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,504 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.03% | 52.61% | 69.38% | 83.50% | 48th pctl | 877 / 1,683 | ||
| Loans / Assets | 61.52% | 44.71% | 59.18% | 70.72% | 55th pctl | 752 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||