Total Assets
$87M
Total balance-sheet footings
FDIC Cert #28805 · Irvington, New York · Est. 1929
Sunnyside Federal Savings and Loan Association of Irvington - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $87M
- Total assets
- C
- Health grade · Fair
- -1.18%
- Return on assets
- 19.8%
- Tier 1 capital
Data updated July 2026
The verdict
Sunnyside Federal Savings and Loan Association of Irvington earns a PlainBankData health grade of C (60/100), with well-capitalized at 19.84% Tier 1, -1.18% ROA, 124% efficiency ratio.
- #3,838
- largest of 4,313 FDIC banks by assets
- 11th
- percentile by asset size, nationally
- 19.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 28805 · NY C · 60/100
GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL
- GRADE-C C (60/100)
- LOWER-Q #3828/4307
- PHOTO-FINISH Century Savings and… · CO
- TIER1-WELL 19.8% Tier 1
- TEXAS-CLEAN 0.8% Texas
- ROA-LOSS -1.18% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside New York: Century Savings and Loan Association, CO (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Sunnyside Federal Savings and Loan As…
Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.
What Sunnyside Federal Savings and Loan As…'s Call Report plate shows
Sunnyside Federal Savings and Loan Association of Irvington (FDIC Cert #28805) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,828 of 4,307. Tier 1 capital prints at 19.84%, clearing the 10% well-capitalized line. The Texas Ratio is 0.80%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.18%. Balance-sheet scale is $87M, 3,838th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Century Savings and Loan Association (CO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Sunnyside Federal Savings and Loan As…
6 FAILURE resolutions in New York since 2000 (5 since 2008)
Sunnyside Federal Savings and Loan Association of Irvington's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Sunnyside Federal Savings and Loan Association of Irvington remains an active FDIC-insured reporter.
- SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
- USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
- THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.
How Sunnyside Federal Savings and Loan Association of Irvington's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (19.84%) 40/40
Return on Assets (ROA) (-1.18%) 0/25
Texas Ratio (0.80%) 20/20
Efficiency Ratio (123.61%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$77M
Customer-funded liabilities
Net Loans
$43M
Outstanding loan book
Net Income
$-1,050K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Sunnyside Federal Savings and Loan Association of Irvington ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sunnyside Federal Savings and Loan Association of Irvington's score of 60/100 falls in the highlighted band.
Sunnyside Federal Savings and Loan Association of Irvington: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
60 11th percentile higher than 11% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Sunnyside Federal Savings and Loan Association of Irvington's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Sunnyside Federal Savings and Loan Association of Irvington's $87M falls in the highlighted band.
Safety ratios for Sunnyside Federal Savings and Loan As…
Tier 1 capital ratio
Well-capitalized 10%
19.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.84%
Texas Ratio
0.80%
Equity Capital
$11M
Profitability metrics: Sunnyside Federal Savings and Loan As…
Return on Assets (ROA)
2nd percentile nationally
-1.18%
Return on Equity (ROE)
-10.07%
Efficiency Ratio
123.61%
Income & expense: loss period at Sunnyside Federal Savings and Loan As…
$4M
Interest Income
$232K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Sunnyside Federal Savings and Loan Association of Irvington reports a Texas Ratio of 0.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Sunnyside Federal Savings and Loan Association of Irvington
Sunnyside Federal Savings and Loan Association of Irvington's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-1,050K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Sunnyside Federal Savings and Loan Association of Irvington up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in New York by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($87M here), outside New York so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Sunnyside Federal Savings and Loan Association of Irvington (FDIC Cert #28805) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Sunnyside Federal Savings and Loan Association of Irvington Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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|---|---|---|---|
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| State Bank of IndiaNew York | $22.6B | F | 0.00% |