Wallkill Valley Federal Savings and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 44.39 percentage points higher than in Q1 2026, at 235.32%. Within New York, Wallkill Valley Federal Savings and Loan Association is 77th of 105 on return on assets, 0.69% as of Q2 2026, below the middle of the field. Wallkill Valley Federal Savings and Loan Association reported 0.69% on return on assets for Q2 2026, 0.57 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.55% |
| Tier 1 risk-based capital ratio | 13.55% |
| Total risk-based capital ratio | 14.77% |
| Tier 1 leverage ratio | 9.17% |
| Equity capital to assets | 9.68% |
| Tangible equity to tangible assets | 8.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 3.66% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 235.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.69% |
| Return on equity | 7.07% |
| Net interest margin | 3.73% |
| Efficiency ratio | 72.95% |
| Yield on earning assets | 5.35% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.53% |
| Core deposits to total deposits | 85.61% |
| Brokered deposits to total deposits | 5.04% |
| Deposits to assets | 85.92% |
| Securities to assets | 15.28% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.66% | 12.66% | 13.69% | 8.60% | 0.25% |
| Q4 2023 | 12.94% | 12.94% | 13.99% | 8.80% | 0.12% |
| Q1 2024 | 12.90% | 12.90% | 13.95% | 8.87% | 0.14% |
| Q2 2024 | 12.83% | 12.83% | 13.85% | 8.85% | 0.32% |
| Q3 2024 | 12.61% | 12.61% | 13.65% | 8.90% | 0.42% |
| Q4 2024 | 12.64% | 12.64% | 13.71% | 8.72% | 0.11% |
| Q1 2025 | 12.28% | 12.28% | 13.33% | 8.81% | 0.30% |
| Q2 2025 | 12.79% | 12.79% | 13.89% | 8.79% | 0.49% |
| Q3 2025 | 13.12% | 13.12% | 14.25% | 8.83% | 0.43% |
| Q4 2025 | 13.49% | 13.49% | 14.66% | 9.05% | 0.43% |
| Q1 2026 | 13.57% | 13.57% | 14.74% | 9.19% | 0.68% |
| Q2 2026 | 13.55% | 13.55% | 14.77% | 9.17% | 0.69% |
Wallkill Valley Federal Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wallkill Valley Federal Savings and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Wallkill Valley Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28870) · FFIEC NIC profile (RSSD 7072)