PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Salt City

Solvay, NY · Charter 8512

NCUA · 2 branches

Q2 2026

$119.1MAssets
$73.3MLoans
$107.8MShares
$10.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.62%, down 14 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.78% of loans (+29 bps YoY).
  • Capital: net worth / assets of 9.01%, down 37 bps from a year ago.
  • Funding: loans stand at 68.03% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.62%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.04%-31 bps YoY

Efficiency Ratio (YTD, annualized)

82.09%+200 bps YoY

Net Worth / Assets

9.01%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.87%0.58%0.75%0.78%0.76%0.37%0.62%-14 bps
Return on Equity9.06%9.39%6.29%8.00%8.07%8.04%4.12%6.83%-117 bps
Net Interest Margin3.14%3.16%3.32%3.35%3.40%3.30%3.00%3.04%-31 bps
Efficiency Ratio78.99%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 / Loans0.84%0.66%0.34%0.49%1.16%1.06%0.52%0.78%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.11%9.23%9.17%9.38%9.62%9.47%8.96%9.01%-37 bps
Net Worth / Assets9.11%9.23%9.17%9.38%9.62%9.47%8.96%9.01%-37 bps
Liquidity & Funding
Loans / Shares60.11%63.74%65.77%70.00%72.31%70.63%65.76%68.03%-198 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps