BlastPoint's Banking Scorecard
Sunnyside Federal Savings and Loan Association of Irvington
Micro
Specialty: Commercial
NY
FDIC cert 28805
Designations: ✓ Community bank
Irvington, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Sunnyside Federal Savings and Loan Association of Irvington faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.26% below tier
- - Efficiency Ratio 55.88% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.4M
-1.1% YoY
-8.4% QoQ
|
-$130.1M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$42.8M
+0.8% YoY
-0.2% QoQ
|
-$96.4M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$76.7M
-1.4% YoY
-9.7% QoQ
|
-$107.0M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
-1.18%
+85.2% YoY
+29.5% QoQ
|
-2.26% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.76%
-7.5% YoY
+1.2% QoQ
|
-0.10% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
123.61%
-11.7% YoY
-9.3% QoQ
|
+55.88% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.21%
+71.2% YoY
-34.7% QoQ
|
-0.43% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
55.81%
+2.2% YoY
+10.5% QoQ
|
-18.72% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
9.95%
-8.1% YoY
-56.1% QoQ
|
-12.44% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.10%
+74.6% YoY
-28.8% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
19.84%
-10.5% YoY
+1.6% QoQ
|
+10.99% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.27%
+39.7% YoY
+114.7% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.18%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
123.61%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Tier 1 Capital Ratio
Current: 19.84% · Tier avg: 8.85%
81
81th pctile
Loan-to-Deposit Ratio
Current: 55.81% · Tier avg: 74.53%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
47
47th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
34
34th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
20
20th pctile
Total Deposits
Current: $76.7M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $87.4M · Tier avg: $217.5M
16
16th pctile
Total Loans
Current: $42.8M · Tier avg: $139.2M
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 9.95% · Tier avg: 22.39%
2
2th pctile
Return on Assets
Current: -1.18% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 123.61% · Tier avg: 67.73%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 123.61% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.18% · Tier avg: 1.08%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 9.95% · Tier avg: 22.39%
16
16th pctile
Total Loans
Current: $42.8M · Tier avg: $139.2M
19
19th pctile
Total Assets
Current: $87.4M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $76.7M · Tier avg: $183.7M
34
34th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
47
47th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
81
81th pctile
Loan-to-Deposit Ratio
Current: 55.81% · Tier avg: 74.53%
86
86th pctile
Tier 1 Capital Ratio
Current: 19.84% · Tier avg: 8.85%