TellerScore

Sunnyside Federal Savings and Loan Association of Irvington is a savings bank headquartered in Irvington, New York, in business for about 97 years. At the end of Q2 2026 it reported $82.3M in total assets and $72.2M in deposits, with 1 office.

Sunnyside Federal Savings and Loan Association of Irvington has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 546 banks with under $100 million in assets. Among 121 banks headquartered in New York, it ranks 43rd. Problem-loan coverage contributes the most (98/100, 0.8%); earnings contributes the least (0/100, -0.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Tier 1 leverage ratio: 12.26%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.18%
Earnings0/100
Return on assets (annualized): -0.86%
Funding & liquidity97/100
Loans ÷ deposits and uninsured-deposit share: 63.7% · 10.3% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.82%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 70).

TellerScore
687276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202471
Q4 202471
Q1 202573
Q2 202570
Q3 202568
Q4 202569
Q1 202669
Q2 202670
Tier 1 leverage ratio
5.00%9.56%14.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202414.12%
Q3 202413.62%
Q4 202412.34%
Q1 202512.94%
Q2 202512.43%
Q3 202512.15%
Q4 202512.09%
Q1 202611.92%
Q2 202612.26%
Noncurrent loans
0.11%0.35%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.59%
Q4 20240.12%
Q1 20250.11%
Q2 20250.22%
Q3 20250.31%
Q4 20250.20%
Q1 20260.20%
Q2 20260.18%
Return on assets
-7.95%-4.40%-0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-2.67%
Q3 2024-1.92%
Q4 2024-7.95%
Q1 2025-1.24%
Q2 2025-1.36%
Q3 2025-1.67%
Q4 2025-1.18%
Q1 2026-0.97%
Q2 2026-0.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$82.3M12.26%0.18%-0.86%63.7%
Q1 202669$86.1M11.92%0.20%-0.97%61.4%
Q4 202569$87.4M12.09%0.20%-1.18%55.8%
Q3 202568$95.4M12.15%0.31%-1.67%50.5%
Q2 202570$86.6M12.43%0.22%-1.36%56.7%
Q1 202573$87.7M12.94%0.11%-1.24%57.4%
Q4 202471$88.4M12.34%0.12%-7.95%54.6%
Q3 202471$91.7M13.62%0.59%-1.92%60.5%
Q2 202476$91.4M14.12%0.14%-2.67%57.7%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.26%
44th
Total risk-based capital20.96%
76th
Problem loans0.18%
57th
Net charge-offs-0.02%
88th
Return on assets-0.86%
7th
Net interest margin3.94%
53rd
Efficiency ratio119.6%
7th
Loans to deposits63.7%
53rd
Uninsured deposits10.3%
74th
Loan-loss reserves1.25%
54th
Texas ratio0.8%
59th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Metropolitan Bank and Trust CompanyBank New York, NY48 out of 100, Below average$32.0M0.0%0.00%vs
GS&L Municipal BankBank Gouverneur, NY92 out of 100, Very strong$31.6M44.5%0.00%vs
Bank of CattaraugusBank Cattaraugus, NY67 out of 100, Moderate$31.0M10.3%1.16%vs
The Citizens National Bank of HammondBank Hammond, NY41 out of 100, Below average$23.9M7.9%1.27%vs
Emigrant Mercantile BankBank New York, NY80 out of 100, Strong$3.5M85.7%0.00%vs

Deposit insurance

Is my money safe at Sunnyside Federal Savings and Loan Association of Irvington?

Yes. Sunnyside Federal Savings and Loan Association of Irvington is an FDIC-insured institution (FDIC certificate #28805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.3% of deposits ($7.5M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.96% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Sunnyside Federal Savings and Loan Association of Irvington lists 1 office in 1 city. Most locations:

  • Irvington, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Sunnyside Federal Savings and Loan Association of Irvington
Type
Savings bank
FDIC certificate #
28805
RSSD ID
516873
Primary regulator
OCC
Holding company
Vecta Partners Llc
Established
January 1, 1929
Headquarters
56 Main St, Irvington, NY 10533
Employees
12

Quick answers

Sunnyside Federal Savings and Loan Association of Irvington: common questions

Is Sunnyside Federal Savings and Loan Association of Irvington FDIC insured?

Yes. Sunnyside Federal Savings and Loan Association of Irvington is an FDIC-insured institution (FDIC certificate #28805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Sunnyside Federal Savings and Loan Association of Irvington's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Sunnyside Federal Savings and Loan Association of Irvington ever failed?

There is no failure record for FDIC certificate #28805 in the FDIC failed bank list.

How many branches does Sunnyside Federal Savings and Loan Association of Irvington have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Irvington

InstitutionScoreAssetsCapitalProblem loansCompare
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs