Wallkill Valley Federal Savings and Loan Association: how it compares with its peers
Against 34 NY banks with half to twice its assets, Wallkill Valley Federal Savings and Loan Association's strongest measure in Q2 2026 is net interest margin (3.74% vs. a 3.63% peer median). Its weakest relative measure is assets per employee ($6.7M vs. $7.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.68% | 0.65% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.74% | 3.63% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.61% | 74.24% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $7.1M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.61% | 89.64% | Context |
What it means for lending operations
Its efficiency ratio of 74.61% is above the 74.24% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Fulton Savings Bank Fulton, NY · $492M
- Champlain National Bank Elizabethtown, NY · $497M
- Piermont Bank New York, NY · $505M
- Alden State Bank Alden, NY · $463M
- Rondout Savings Bank Kingston, NY · $512M
- The Bank of East Asia Ltd. New York, NY · $450M
Questions about Wallkill Valley Federal Savings and Loan Association
How big is Wallkill Valley Federal Savings and Loan Association?
Wallkill Valley Federal Savings and Loan Association, established in 1913, is headquartered in Wallkill, NY. It reported $485M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Wallkill Valley Federal Savings and Loan Association's return on assets?
0.68% annualized in Q2 2026, against a 0.65% median for 34 NY banks with half to twice its assets, ahead of 50% of them.
What is Wallkill Valley Federal Savings and Loan Association's efficiency ratio?
74.61% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 74.24%, and lower is better.
Is Wallkill Valley Federal Savings and Loan Association growing its loans?
Net loans grew 4.3% over the year to Q2 2026, while deposits grew 1.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.