TellerScore

Headquartered in Wallkill, New York, Wallkill Valley Federal Savings and Loan Association is a savings bank with $485.0M in total assets and $416.7M in deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1913.

Wallkill Valley Federal Savings and Loan Association has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 47th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (42/100, 9.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.17%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 83.6% · 20.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

From Q2 2025 to Q2 2026, the score rose 6 points (62 → 68), mostly because the earnings component improved by 11 points.

TellerScore
616568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202463
Q4 202462
Q1 202563
Q2 202562
Q3 202563
Q4 202564
Q1 202667
Q2 202668
Tier 1 leverage ratio
5.00%7.09%9.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.85%
Q3 20248.90%
Q4 20248.72%
Q1 20258.81%
Q2 20258.79%
Q3 20258.83%
Q4 20259.05%
Q1 20269.19%
Q2 20269.17%
Noncurrent loans
0.00%0.18%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.35%
Q3 20240.13%
Q4 20240.12%
Q1 20250.12%
Q2 20250.23%
Q3 20250.11%
Q4 20250.12%
Q1 20260.07%
Q2 20260.00%
Return on assets
0.23%0.46%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.23%
Q3 20240.29%
Q4 20240.24%
Q1 20250.29%
Q2 20250.39%
Q3 20250.41%
Q4 20250.41%
Q1 20260.68%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$485.0M9.17%0.00%0.68%83.6%
Q1 202667$475.7M9.19%0.07%0.68%83.0%
Q4 202564$464.9M9.05%0.12%0.41%84.5%
Q3 202563$464.7M8.83%0.11%0.41%84.7%
Q2 202562$472.5M8.79%0.23%0.39%81.4%
Q1 202563$469.0M8.81%0.12%0.29%80.2%
Q4 202462$462.3M8.72%0.12%0.24%81.7%
Q3 202463$469.7M8.90%0.13%0.29%79.7%
Q2 202461$451.4M8.85%0.35%0.23%81.5%

2,650 peers · $100 million – $1 billion

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 ratio9.17%
15th
Total risk-based capital14.77%
67th
Problem loans0.00%
94th
Net charge-offs-0.01%
86th
Return on assets0.68%
18th
Net interest margin3.74%
39th
Efficiency ratio74.6%
21st
Loans to deposits83.6%
41st
Uninsured deposits20.9%
61st
Loan-loss reserves1.10%
38th
Texas ratio0.0%
95th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Fulton Savings BankBank Fulton, NY88 out of 100, Very strong$492.3M31.4%0.70%vs
Champlain National BankBank Elizabethtown, NY71 out of 100, Strong$497.1M10.9%0.25%vs
Piermont BankBank New York, NY62 out of 100, Moderate$505.1M12.7%0.00%vs
Alden State BankBank Alden, NY66 out of 100, Moderate$463.1M15.2%2.63%vs
Rondout Savings BankBank Kingston, NY64 out of 100, Moderate$512.0M9.8%0.19%vs
The Bank of East Asia Ltd.Bank New York, NY41 out of 100, Below average$449.6M0.0%0.00%vs

Deposit insurance

Is my money safe at Wallkill Valley Federal Savings and Loan Association?

Yes. Wallkill Valley Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #28870). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.9% of deposits ($87.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.17%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.77% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Wallkill Valley Federal Savings and Loan Association lists 9 offices in 9 cities. Most locations:

  • Highland Falls, NY (1)
  • Maybrook, NY (1)
  • Milton, NY (1)
  • Monroe, NY (1)
  • Montgomery, NY (1)
  • Newburgh, NY (1)
  • Otisville, NY (1)
  • Walden, NY (1)
  • Wallkill, NY (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Wallkill Valley Federal Savings and Loan Association reported 137 home-loan applications under HMDA (LEI 549300BDZCCADL2HG292): 101 originated ($44,805,000 total), 8 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Wallkill Valley Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
28870
RSSD ID
7072
Primary regulator
OCC
Holding company
Wallkill Valley Bcorp Mhc
Established
January 1, 1913
Headquarters
23 Wallkill Ave, Wallkill, NY 12589
Employees
72

Quick answers

Wallkill Valley Federal Savings and Loan Association: common questions

Is Wallkill Valley Federal Savings and Loan Association FDIC insured?

Yes. Wallkill Valley Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #28870). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Wallkill Valley Federal Savings and Loan Association's TellerScore?

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

Has Wallkill Valley Federal Savings and Loan Association ever failed?

There is no failure record for FDIC certificate #28870 in the FDIC failed bank list.

How many branches does Wallkill Valley Federal Savings and Loan Association have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wallkill

InstitutionScoreAssetsCapitalProblem loansCompare
Jeff Bank, National AssociationBank Jeffersonville, NY95 out of 100, Very strong$686.2M14.9%0.37%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
First Federal Savings of MiddletownBank Middletown, NY89 out of 100, Very strong$188.0M36.9%0.00%vs
Self Reliance Financial Federal Credit UnionCredit union New York, NY79 out of 100, Strong$2.0B17.2%0.63%vs
Orange Bank & Trust CompanyBank Middletown, NY73 out of 100, Strong$2.8B13.2%1.12%vs
Sing Sing Employees Federal Credit UnionCredit union Briarcliff Mano, NY73 out of 100, Strong$11.0M15.6%1.26%vs