| Metric | Community Savings | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | -0.3% | +4.0% | -4.2 pts |
| Loan growth (YoY) | +8.6% | +5.6% | +3.0 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 10.7% | 11.9% | -1.1 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $284.7M | $219.8M | $241.9M | $37.9M | $2.0M | 1.35% | 5.18% | 0.76% |
| Q1 2026 | $300.7M | $246.6M | $246.3M | $37.0M | $1.0M | 1.39% | 5.02% | 0.47% |
| Q4 2025 | $297.7M | $237.5M | $255.7M | $36.1M | $3.4M | 1.21% | 4.88% | 0.95% |
| Q3 2025 | $298.2M | $245.9M | $249.1M | $34.9M | $2.3M | 1.09% | 4.86% | 0.53% |
| Q2 2025 | $271.2M | $220.4M | $222.8M | $33.8M | $1.2M | 0.88% | 4.77% | 0.59% |
| Q1 2025 | $279.0M | $218.6M | $214.0M | $33.3M | $681K | 0.99% | 4.57% | 0.61% |
| Q4 2024 | $269.7M | $198.2M | $226.1M | $32.5M | $1.4M | 0.66% | 5.13% | 0.51% |
| Q3 2024 | $242.1M | $186.5M | $190.2M | $29.2M | $933K | 0.65% | 5.36% | 0.49% |
Loan mix (Q2 2026): real estate $242.3M · commercial $0 · consumer $2.7M · securities $17.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community Savings | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 62.9% | 63th |
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 | Community Savings | 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 | Community Savings | 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 | Community Savings | 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 | Community Savings | 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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