| Metric | Eureka Homestead | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.4% | +3.0% | -9.4 pts |
| Deposit growth (YoY) | -14.0% | +2.5% | -16.5 pts |
| Loan growth (YoY) | -6.3% | +2.6% | -8.9 pts |
| ROA | -0.53% | 0.99% | -1.5 pts |
| ROE | -2.6% | 8.1% | -10.7 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.4M | $57.8M | $74.4M | $18.4M | $-239K | -0.53% | 1.39% | 0.40% |
| Q1 2026 | $92.1M | $63.6M | $77.2M | $18.5M | $-78K | -0.34% | 1.56% | 0.39% |
| Q4 2025 | $91.6M | $65.0M | $77.2M | $18.6M | $-512K | -0.54% | 1.67% | 0.64% |
| Q3 2025 | $93.6M | $66.8M | $78.4M | $18.7M | $-424K | -0.59% | 1.70% | 0.41% |
| Q2 2025 | $95.4M | $67.1M | $79.4M | $18.8M | $-288K | -0.59% | 1.74% | 0.93% |
| Q1 2025 | $96.8M | $67.7M | $80.3M | $19.0M | $-141K | -0.58% | 1.77% | 0.71% |
| Q4 2024 | $98.9M | $70.8M | $82.0M | $19.1M | $63K | 0.06% | 2.02% | 0.67% |
| Q3 2024 | $102.3M | $70.7M | $84.6M | $19.1M | $117K | 0.15% | 2.13% | 0.65% |
Loan mix (Q2 2026): real estate $75.0M · commercial $0 · consumer $211K · securities $1.8M
| Ratio | Eureka Homestead | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.53% | 0.99% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -2.6% | 8.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 141.3% | 70.8% | 95th |
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 | Eureka Homestead | 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 | Eureka Homestead | 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 | Eureka Homestead | 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 | Eureka Homestead | 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.