| Metric | Haven Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +4.9% | -9.2 pts |
| Deposit growth (YoY) | -3.0% | +4.3% | -7.4 pts |
| Loan growth (YoY) | -6.0% | +5.3% | -11.3 pts |
| ROA | -0.35% | 1.28% | -1.6 pts |
| ROE | -4.0% | 12.4% | -16.5 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $986.9M | $861.5M | $775.7M | $87.3M | $-1.8M | -0.35% | 1.61% | 0.32% |
| Q1 2026 | $1.02B | $888.4M | $788.3M | $87.8M | $-1.4M | -0.54% | 1.53% | 0.26% |
| Q4 2025 | $1.01B | $876.4M | $798.0M | $89.3M | $-5.3M | -0.51% | 1.32% | 0.16% |
| Q3 2025 | $1.02B | $870.5M | $805.9M | $89.1M | $-5.1M | -0.66% | 1.27% | 0.23% |
| Q2 2025 | $1.03B | $888.7M | $825.0M | $90.1M | $-4.1M | -0.78% | 1.18% | 0.51% |
| Q1 2025 | $1.04B | $902.5M | $831.6M | $92.0M | $-2.2M | -0.85% | 1.13% | 0.52% |
| Q4 2024 | $1.06B | $910.7M | $844.9M | $94.2M | $-10.1M | -0.95% | 0.92% | 0.55% |
| Q3 2024 | $1.06B | $897.8M | $848.1M | $98.3M | $-6.0M | -0.74% | 0.92% | 0.67% |
Loan mix (Q2 2026): real estate $782.0M · commercial $0 · consumer $24K · securities $124.8M
| Ratio | Haven Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.35% | 1.28% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -4.0% | 12.4% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.61% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 116.0% | 61.2% | 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 | Haven 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 | Haven 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 | Haven 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 | Haven 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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