Salt City
Solvay, NY · Charter 8512 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$119.1MAssets
$73.3MLoans
$107.8MShares
$10.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 59% of credit unions under $1B in assets (rank 684 of 1681).
- Widest gap: equity / assets trails 89% of credit unions under $1B in assets (rank 1504 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |