| Metric | Compass Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.4% | +3.0% | -10.4 pts |
| Deposit growth (YoY) | -6.3% | +2.5% | -8.8 pts |
| Loan growth (YoY) | -2.1% | +2.6% | -4.7 pts |
| ROA | -0.33% | 0.99% | -1.3 pts |
| ROE | -4.6% | 8.1% | -12.7 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $53.5M | $48.2M | $50.0M | $3.9M | $-91K | -0.33% | 1.67% | 0.13% |
| Q1 2026 | $54.0M | $48.4M | $49.1M | $4.0M | $-46K | -0.34% | 1.67% | 0.08% |
| Q4 2025 | $55.5M | $49.0M | $50.7M | $4.0M | $260K | 0.45% | 1.39% | 0.15% |
| Q3 2025 | $57.9M | $51.1M | $49.2M | $4.0M | $276K | 0.63% | 1.30% | 0.80% |
| Q2 2025 | $57.8M | $51.4M | $51.0M | $3.5M | $-254K | -0.87% | 1.25% | 0.51% |
| Q1 2025 | $58.2M | $51.8M | $52.2M | $3.6M | $-133K | -0.91% | 1.23% | 0.46% |
| Q4 2024 | $58.8M | $52.2M | $52.2M | $3.7M | $-514K | -0.86% | 1.28% | 0.60% |
| Q3 2024 | $59.4M | $52.8M | $52.4M | $3.9M | $-384K | -0.85% | 1.31% | 0.55% |
Loan mix (Q2 2026): real estate $49.2M · commercial $242K · consumer $847K · securities $1.1M
| Ratio | Compass Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.33% | 0.99% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -4.6% | 8.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 118.8% | 70.8% | 93th |
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 | Compass Savings 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 | Compass Savings 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 | Compass Savings 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 | Compass Savings 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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