| Metric | Colonial Savings, F.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -49.4% | +4.9% | -54.3 pts |
| Deposit growth (YoY) | -58.1% | +4.3% | -62.4 pts |
| Loan growth (YoY) | -83.4% | +5.3% | -88.8 pts |
| ROA | -2.41% | 1.28% | -3.7 pts |
| ROE | -5.7% | 12.4% | -18.1 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $501.8M | $255.3M | $112.7M | $237.9M | $-6.8M | -2.41% | 3.27% | 0.09% |
| Q1 2026 | $527.9M | $272.8M | $107.3M | $240.5M | $-4.2M | -2.82% | 3.27% | 0.08% |
| Q4 2025 | $675.2M | $405.7M | $86.3M | $244.7M | $3.0M | 0.32% | 2.97% | 0.01% |
| Q3 2025 | $936.4M | $650.8M | $633.5M | $252.3M | $10.6M | 1.42% | 2.59% | 3.54% |
| Q2 2025 | $991.5M | $608.8M | $678.9M | $242.8M | $2.3M | 0.46% | 2.35% | 3.52% |
| Q1 2025 | $1.01B | $597.5M | $694.0M | $241.3M | $930K | 0.36% | 2.04% | 3.46% |
| Q4 2024 | $1.03B | $568.1M | $705.0M | $240.2M | $2.3M | 0.22% | 1.98% | 3.55% |
| Q3 2024 | $1.05B | $714.6M | $719.6M | $239.3M | $1.3M | 0.16% | 1.86% | 3.38% |
Loan mix (Q2 2026): real estate $103.0M · commercial $9.7M · consumer $1.7M · securities $229.2M
| Ratio | Colonial Savings, F.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.41% | 1.28% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -5.7% | 12.4% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 192.2% | 61.2% | 100th |
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 | Colonial Savings, F.A. | 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 | Colonial Savings, F.A. | 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 | Colonial Savings, F.A. | 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 | Colonial Savings, F.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.