Wallkill Valley Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wallkill Valley Federal Savings and Loan Association of Wallkill, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.69% | 1.35% | -0.66% | 19th bottom |
| ROAE | 7.07% | 12.06% | -4.99% | 21st bottom |
| Net Interest Margin | 3.73% | 3.90% | -0.17% | 38th below |
| Efficiency Ratio | 72.95% | 63.15% | +9.80% | 22nd bottom |
| PPNR / Avg Assets | 1.03% | 1.64% | -0.61% | 22nd bottom |
| Yield on Earning Assets | 5.35% | 5.65% | -0.30% | 37th below |
| Cost of Funds | 1.69% | 1.85% | -0.16% | 57th above |
| Net Interest Spread | 3.26% | 3.35% | -0.09% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.92% | -0.45% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.34% | 0.67% | -0.33% | 48th below |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 93rd top |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 38th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 235.32% | 1645.74% | -1410.42% | 53rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.66% | 7.15% | -3.49% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.55% | 20.83% | -7.28% | 34th below |
| Tier 1 Ratio | 13.55% | 20.87% | -7.32% | 34th below |
| Total Capital Ratio | 14.77% | 21.94% | -7.17% | 35th below |
| Leverage Ratio | 9.17% | 12.46% | -3.29% | 15th bottom |
| Equity / Assets | 9.68% | 11.67% | -1.99% | 39th below |
| TCE / Tangible Assets | 8.58% | 11.40% | -2.82% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.53% | 78.64% | +5.89% | 42nd below |
| Core Deposit Ratio | 85.61% | 87.09% | -1.48% | 33rd below |
| Wholesale Funding Ratio | 3.09% | 5.11% | -2.02% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.63% | 6.48% | -3.85% | 37th below |
| Loan Growth (Y/Y) | 4.34% | 7.64% | -3.30% | 44th below |
| Deposit Growth (Y/Y) | 1.52% | 6.02% | -4.50% | 32nd below |
See Wallkill Valley Federal Savings and Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wallkill Valley Federal Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Wallkill Valley Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.