| Metric | Community Unity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +44.0% | +4.4% | +39.7 pts |
| Deposit growth (YoY) | +66.3% | +4.0% | +62.4 pts |
| Loan growth (YoY) | +62.7% | +5.6% | +57.1 pts |
| ROA | -1.68% | 1.24% | -2.9 pts |
| ROE | -8.2% | 11.9% | -20.0 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $107.1M | $85.8M | $79.3M | $19.9M | $-832K | -1.68% | 3.02% | 0.00% |
| Q1 2026 | $95.2M | $73.5M | $60.7M | $20.3M | $-475K | -2.00% | 2.54% | 0.00% |
| Q4 2025 | $95.0M | $72.8M | $53.5M | $20.9M | $-2.4M | -3.11% | 3.41% | 0.00% |
| Q3 2025 | $80.1M | $58.0M | $50.9M | $20.6M | $-2.0M | -3.66% | 3.59% | 0.00% |
| Q2 2025 | $74.4M | $51.6M | $48.8M | $21.2M | $-985K | -2.87% | 3.58% | 0.00% |
| Q1 2025 | $67.1M | $43.8M | $40.2M | $21.7M | $-445K | -2.71% | 3.60% | 0.00% |
| Q4 2024 | $64.3M | $40.7M | $38.9M | $22.1M | $-2.7M | -5.73% | 4.07% | 0.00% |
| Q3 2024 | $51.7M | $27.3M | $29.2M | $22.9M | $-2.0M | -6.30% | 4.31% | 0.00% |
Loan mix (Q2 2026): real estate $67.3M · commercial $13.3M · consumer $31K · securities $11.1M
| Ratio | Community Unity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.68% | 1.24% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -8.2% | 11.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 135.2% | 62.9% | 99th |
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 Unity 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 | Community Unity 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 | Community Unity 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 | Community Unity 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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