Bank Safety Analysis
Is Sunnyside Federal Savings and Loan Association of Irvington Safe? Irvington, New York
Based on its Q2 2026 call report, Sunnyside Federal Savings and Loan Association of Irvington meets every capital ratio test for well capitalized, its Texas ratio is 0.89%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Sunnyside Federal Savings and Loan Association of Irvington safe?
On its Q2 2026 call report, Sunnyside Federal Savings and Loan Association of Irvington's CET1 ratio is 19.83%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 19.83%
- Tier 1 leverage ratio (Q2 2026): 12.26%
- Texas ratio (Q2 2026): 0.89%
- Noncurrent loans ratio (Q2 2026): 0.18%
Sunnyside Federal Savings and Loan Association of Irvington is an FDIC-insured savings institution (FDIC Certificate #28805). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Sunnyside Federal Savings and Loan Association of Irvington (FDIC Certificate #28805) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Sunnyside Federal Savings and Loan Association of Irvington is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: commercial real estate to capital.
Net interest margin climbed 0.38 percentage points in Q2 2026, from 3.78% to 4.16%. It was the largest change from Q1 2026 among the key lines here. Within New York, Sunnyside Federal Savings and Loan Association of Irvington is 24th of 82 on CET1 ratio, 19.83% as of Q2 2026. The median for banks in the < $100M asset tier is 19.96% on CET1 ratio; Sunnyside Federal Savings and Loan Association of Irvington reported 19.83% for Q2 2026, nearly level with it. From Q3 2023 to Q2 2026, Sunnyside Federal Savings and Loan Association of Irvington's CET1 ratio ranged between 18.68% (Q1 2026) and 28.49% (Q3 2023) and its Texas ratio ranged between 0.50% (Q1 2025) and 2.49% (Q3 2024). Between Q2 2025 and Q2 2026, Sunnyside Federal Savings and Loan Association of Irvington's CET1 ratio fell from 22.28% to 19.83%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.22% to 0.18%, Texas ratio fell from 0.97% to 0.89% and return on assets rose from -1.45% to -0.73%.
Of the 105 banks headquartered in New York, Sunnyside Federal Savings and Loan Association of Irvington is the 101st largest by total assets at Q2 2026. 1-4 family residential loans are its largest loan category, $19.0M of $46.6M in total loans on its June 30, 2026 call report. Against the 578 banks with under $100M in assets for Q2 2026, Sunnyside Federal Savings and Loan Association of Irvington's CET1 ratio of 19.83% is below the 19.96% median, Tier 1 leverage ratio of 12.26% is below the 12.62% median, nonperforming loans ratio of 0.18% is below the 0.44% median, Texas ratio of 0.89% is below the 2.09% median, and efficiency ratio of 123.12% is above the 69.61% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Sunnyside Federal Savings and Loan Association of Irvington score on capital, credit and costs?
Peer cohort: Under $100M (583 banks) · Industry averages as of Q2 2026.
Median of the 578 banks with under $100M in assets, Q2 2026: 19.96%.
Median of the 578 banks with under $100M in assets, Q2 2026: 12.62%.
Median of the 578 banks with under $100M in assets, Q2 2026: 0.44%.
Median of the 578 banks with under $100M in assets, Q2 2026: 2.09%.
Median of the 578 banks with under $100M in assets, Q2 2026: 69.61%.
Does Sunnyside Federal Savings and Loan Association of Irvington trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 19.83% | Within range |
| Texas ratio BankRegReports band | 0.89% | Within range |
| Non-performing loan ratio BankRegReports band | 0.18% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 64.52% | Within range |
| Commercial real estate to capital supervisory threshold | 205.02% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.01% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 19.83% |
| Q1 2026 | 18.68% |
| Q4 2025 | 19.84% |
| Q3 2025 | 19.53% |
| Q2 2025 | 22.28% |
| Q1 2025 | 21.88% |
| Q4 2024 | 22.17% |
| Q3 2024 | 21.79% |
| Q2 2024 | 22.14% |
| Q1 2024 | 22.81% |
| Q4 2023 | 25.99% |
| Q3 2023 | 28.49% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.89% |
| Q1 2026 | 0.96% |
| Q4 2025 | 0.87% |
| Q3 2025 | 1.37% |
| Q2 2025 | 0.97% |
| Q1 2025 | 0.50% |
| Q4 2024 | 0.52% |
| Q3 2024 | 2.49% |
| Q2 2024 | 0.62% |
| Q1 2024 | 0.61% |
| Q4 2023 | 0.72% |
| Q3 2023 | 0.59% |
Loans by type, Q2 2026
- 1-4 family residential loans: $19.0M
- Non-owner-occupied commercial real estate loans: $12.0M
- Multifamily loans: $10.2M
- Owner-occupied commercial real estate loans: $2.6M
- Other consumer loans: $1.6M
- Commercial and industrial loans: $1.1M
How have Sunnyside Federal Savings and Loan Association of Irvington's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Jun 30, 2026 | $82.3M | 19.83% | 12.26% | 0.18% | 0.89% | 123.12% |
| Mar 31, 2026 | $86.1M | 18.68% | 11.92% | 0.20% | 0.96% | 115.83% |
| Dec 31, 2025 | $87.4M | 19.84% | 12.09% | 0.20% | 0.87% | 89.42% |
| Sep 30, 2025 | $95.4M | 19.53% | 12.15% | 0.31% | 1.37% | 162.75% |
| Jun 30, 2025 | $86.6M | 22.28% | 12.43% | 0.22% | 0.97% | 121.59% |
| Mar 31, 2025 | $87.7M | 21.88% | 12.94% | 0.11% | 0.50% | 123.10% |
| Dec 31, 2024 | $88.4M | 22.17% | 12.34% | 0.12% | 0.52% | 112.70% |
| Sep 30, 2024 | $91.7M | 21.79% | 13.62% | 0.59% | 2.49% | 108.85% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Sunnyside Federal Savings and Loan Association of Irvington FDIC insured?
Yes. Sunnyside Federal Savings and Loan Association of Irvington is an FDIC-insured savings institution (FDIC Certificate #28805). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Sunnyside Federal Savings and Loan Association of Irvington well capitalized?
On its Q2 2026 call report, Sunnyside Federal Savings and Loan Association of Irvington's CET1 ratio is 19.83%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Sunnyside Federal Savings and Loan Association of Irvington's key safety ratios?
For Q2 2026, Sunnyside Federal Savings and Loan Association of Irvington reports CET1 19.83%, leverage 12.26%, Texas ratio 0.89%, noncurrent loans 0.18%. Its Texas ratio compares with the 2.09% median for the 578 banks with under $100M in assets.
What happens to my deposits if Sunnyside Federal Savings and Loan Association of Irvington fails?
For Q2 2026, Sunnyside Federal Savings and Loan Association of Irvington reported $72.2M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Sunnyside Federal Savings and Loan Association of Irvington profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.