BlastPoint's Banking Scorecard
Sunnyside Federal Savings and Loan Association of Irvington
Designations: ✓ Community bank
Irvington, NY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 5 in NY.
- Deposits -5.0% year over year ($72.2M on the books).
- Delinquency rate 0.18%.
- Return on assets -0.86%.
- Efficiency ratio 119.63% vs a 119.40% peer average.
- Loan-to-deposit ratio 63.72% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sunnyside Federal Savings and Loan Association of Irvington has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.30% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.85% below tier average
- - Efficiency Ratio 0.23% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.3M
-5.0% YoY
-4.4% QoQ
|
+$19.8M |
$62.4M
-0.0% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
74% |
| Total Loans ? |
$46.0M
+6.7% YoY
-1.1% QoQ
|
+$11.1M |
$34.9M
-0.6% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$72.2M
-5.0% YoY
-4.6% QoQ
|
+$20.6M |
$51.6M
-0.2% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
78% |
| Return on Assets ? |
-0.86%
+37.0% YoY
+12.0% QoQ
|
-1.85% |
1.00%
+3.5% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 6.9% in tier |
| Net Interest Margin ? |
3.94%
+5.5% YoY
+3.5% QoQ
|
+0.03% |
3.91%
+2.3% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
119.63%
-2.3% YoY
+3.2% QoQ
|
+0.23% |
119.40%
+49.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 7.3% in tier |
| Delinquency Rate ? |
0.18%
-17.0% YoY
-9.5% QoQ
|
-1.30% |
1.48%
+31.8% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
63.72%
+12.3% YoY
+3.7% QoQ
|
-10.49% |
74.21%
+12.6% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
10.45%
-14.1% YoY
+1.4% QoQ
|
-13.04% |
23.49%
+0.6% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.10%
-6.8% YoY
-6.4% QoQ
|
-0.73% |
0.84%
+23.0% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
19.83%
-11.0% YoY
+6.1% QoQ
|
-7.30% |
27.13%
+3.0% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.07%
-22.0% YoY
+102.5% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
28% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
10.5%
-1.7pp YoY +0.1pp QoQ |
-14.2pp | 24.6% | 22.1% | 22.2% | 11% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.5%
-0.8pp YoY -0.1pp QoQ |
-10.9pp | 13.4% | 11.0% | 12.5% | 7% |
| CRE | n/a | n/a | 25.2% | 46.2% | 41.4% | n/a |
| 1-4 Family |
41.3%
+4.7pp YoY +3.3pp QoQ |
+6.4pp | 35.0% | 36.6% | 31.3% | 64% |
| Consumer |
3.6%
-1.2pp YoY -0.2pp QoQ |
-4.1pp | 7.7% | 5.1% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.8%
-2.5pp YoY +1.1pp QoQ |
-18.9pp | 38.7% | 26.1% | 19.7% | 45% |
| Leverage Ratio |
12.3%
-0.2pp YoY +0.3pp QoQ |
-5.4pp | 17.7% | 13.9% | 12.6% | 44% |
| Total Capital Ratio |
21.0%
-2.4pp YoY +1.2pp QoQ |
-18.7pp | 39.7% | 27.2% | 20.8% | 46% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-0 | 12 | 914 | 482 | 56% |
| Assets per Employee ($) |
$6.9M
-5.0% YoY -4.4% QoQ |
+$668K | $6.2M | $14.8M | $8.8M | 63% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 27 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 1.3% | 1.0% | 22% |
| Allowance Coverage |
6.87x
+27.1% YoY +6.0% QoQ |
+0.46x | 6.41x | 1.92x | 20.23x | 84% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.6pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 21% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-7.2%
+4.2pp YoY +1.0pp QoQ |
-13.6pp | 6.4% | 7.9% | 11.6% | 6% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.5pp | 1.4% | 1.8% | 1.7% | 78% |
| Net Income ($, YTD) |
$-365000.0
+38.7% YoY — QoQ |
-$683K | $317,817 | $111.2M | $40.4M | 4% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.