| Metric | CUSB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.9% | -0.3 pts |
| Deposit growth (YoY) | +4.2% | +4.3% | -0.1 pts |
| Loan growth (YoY) | +4.1% | +5.3% | -1.2 pts |
| ROA | 1.53% | 1.28% | +0.2 pts |
| ROE | 13.2% | 12.4% | +0.7 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $812.1M | $699.3M | $634.2M | $95.6M | $6.2M | 1.53% | 3.71% | 0.56% |
| Q1 2026 | $813.9M | $715.0M | $632.6M | $94.1M | $2.9M | 1.43% | 3.63% | 0.32% |
| Q4 2025 | $811.1M | $712.4M | $626.3M | $92.9M | $9.9M | 1.25% | 3.36% | 0.64% |
| Q3 2025 | $798.7M | $702.6M | $605.9M | $90.9M | $7.7M | 1.30% | 3.32% | 0.41% |
| Q2 2025 | $776.0M | $671.1M | $609.1M | $84.8M | $5.0M | 1.29% | 3.27% | 0.59% |
| Q1 2025 | $795.5M | $706.8M | $608.1M | $84.0M | $2.2M | 1.12% | 3.13% | 0.24% |
| Q4 2024 | $776.1M | $670.3M | $595.4M | $82.2M | $7.0M | 0.92% | 2.98% | 0.13% |
| Q3 2024 | $784.0M | $632.4M | $583.5M | $86.2M | $5.2M | 0.92% | 2.93% | 0.32% |
Loan mix (Q2 2026): real estate $429.9M · commercial $59.9M · consumer $25.0M · securities $112.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | CUSB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.28% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.5% | 61.2% | 30th |
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 | CUSB 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 | CUSB 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 | CUSB 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 | CUSB Bank | 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.