SYRACUSE COOPERATIVE

Charter #23865 | NY

<100M (2596 CUs) Micro
188 <100M in NY

SYRACUSE COOPERATIVE has 6 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 4.26% above tier average
  • + Net Interest Margin 1.06% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 0.4% in tier
  • + Loan-to-Share Ratio: Top 4.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 4.49% above tier average
  • - First Mortgage Concentration (%): Bottom 2.2% in tier
  • - Total Delinquency Rate (60+ days): Bottom 4.6% in tier
  • - Members Per Employee (MPE): Bottom 6.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 3,614
-0.4% YoY+0.2% QoQ
 +988 2,625
-2.2% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 75th in tier
Assets $43.2M
+4.4% YoY-1.8% QoQ
 +$13.3M $29.9M
+1.1% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 72nd in tier
Loans $34.9M
+6.7% YoY+3.9% QoQ
 +$19.2M $15.8M
-2.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 14.1% in tier
Deposits $34.9M
+5.9% YoY-1.3% QoQ
 +$9.4M $25.5M
+0.4% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 70th in tier
ROA 4.9%
+285.6% YoY-26.9% QoQ
 +4.3% 0.7%
-731.4% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Top 0.8% in tier
NIM 5.0%
+8.1% YoY+4.2% QoQ
 +1.1% 3.9%
+3.8% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Top 14.2% in tier
Efficiency Ratio 59.5%
-27.7% YoY+12.1% QoQ
 -21.9% 81.4%
-2.4% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 13.5% in tier
Delinquency Rate 6.0%
-18.8% YoY-7.6% QoQ
 +4.5 1.5%
-2.0% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Top 4.6% in tier
Loan To Share 100.1%
+0.7% YoY+5.3% QoQ
 +38.9% 61.2%
-3.0% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 4.2% in tier
AMR $19,318
+6.8% YoY+1.0% QoQ
 +$5K $14,627
-2.7% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Top 23.4% in tier
CD Concentration 9.4%
+49.9% YoY+3.9% QoQ
 -15.0% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2596 peers in tier

Top Strengths (12 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
11
Fee Income Per Member
profitability
Value: $1,037
Peer Avg: $182.96
#11 of 2596 Top 0.4% in <100M tier
21
Return on Assets (ROA)
profitability
Value: 4.94%
Peer Avg: 0.68%
#21 of 2596 Top 0.8% in <100M tier
105
Loan-to-Share Ratio
balance_sheet
Value: 100.12%
Peer Avg: 61.23%
#105 of 2596 Top 4.0% in <100M tier
245
Loan-to-Member Ratio (LMR)
engagement
Value: $9,665
Peer Avg: $5,488
#245 of 2596 Top 9.4% in <100M tier
352
Efficiency Ratio
profitability
Value: 59.53%
Peer Avg: 81.39%
#352 of 2596 Top 13.5% in <100M tier
367
Total Loans
balance_sheet
Value: $34.93M
Peer Avg: $15.77M
#367 of 2596 Top 14.1% in <100M tier
369
Net Interest Margin (NIM)
profitability
Value: 5.00%
Peer Avg: 3.93%
#369 of 2596 Top 14.2% in <100M tier
437
Loan Growth Rate
growth
Value: 6.72%
Peer Avg: 59.01%
#437 of 2596 Top 16.8% in <100M tier
474
AMR Growth Rate
growth
Value: 6.76%
Peer Avg: 4.67%
#474 of 2596 Top 18.2% in <100M tier

Top Weaknesses (4 metrics)

2541
First Mortgage Concentration (%)
balance_sheet
Value: 70.34%
Peer Avg: 14.49%
#2541 of 2596 Bottom 2.2% in <100M tier
2478
Total Delinquency Rate (60+ days)
risk
Value: 6.00%
Peer Avg: 1.51%
#2478 of 2596 Bottom 4.6% in <100M tier
2419
Members Per Employee (MPE)
engagement
Value: 112.938
Peer Avg: 365.701
#2419 of 2596 Bottom 6.9% in <100M tier
2198
Net Charge-Off Rate
risk
Value: 0.94%
Peer Avg: 0.57%
#2198 of 2596 Bottom 15.4% in <100M tier