| Metric | Aspire Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +3.0% | -7.2 pts |
| Deposit growth (YoY) | -5.4% | +2.5% | -7.9 pts |
| Loan growth (YoY) | -5.0% | +2.6% | -7.6 pts |
| ROA | 1.04% | 0.99% | +0.0 pts |
| ROE | 9.0% | 8.1% | +0.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $60.9M | $48.8M | $53.6M | $7.3M | $320K | 1.04% | 4.33% | 0.00% |
| Q1 2026 | $61.9M | $50.9M | $55.0M | $7.1M | $165K | 1.06% | 4.34% | 0.00% |
| Q4 2025 | $62.6M | $51.2M | $53.7M | $7.0M | $698K | 1.11% | 4.14% | 0.00% |
| Q3 2025 | $61.3M | $49.2M | $54.5M | $6.8M | $520K | 1.10% | 3.81% | 0.80% |
| Q2 2025 | $63.6M | $51.6M | $56.4M | $6.7M | $327K | 1.03% | 3.70% | 0.77% |
| Q1 2025 | $65.9M | $58.2M | $55.8M | $6.5M | $134K | 0.84% | 3.44% | 0.74% |
| Q4 2024 | $61.5M | $53.7M | $54.3M | $6.4M | $279K | 0.44% | 3.41% | 0.77% |
| Q3 2024 | $64.5M | $57.9M | $56.1M | $6.4M | $271K | 0.56% | 3.36% | 0.74% |
Loan mix (Q2 2026): real estate $40.1M · commercial $11.6M · consumer $1.2M · securities $5K
| Ratio | Aspire Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.99% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 8.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 70.8% | 42th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Aspire Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Aspire Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Aspire Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Aspire Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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