| Metric | Milford Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.9% | -1.7 pts |
| Deposit growth (YoY) | +12.0% | +4.3% | +7.6 pts |
| Loan growth (YoY) | +0.5% | +5.3% | -4.8 pts |
| ROA | 0.33% | 1.28% | -1.0 pts |
| ROE | 3.0% | 12.4% | -9.4 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $545.1M | $451.5M | $463.9M | $59.5M | $891K | 0.33% | 2.63% | 0.34% |
| Q1 2026 | $545.5M | $445.4M | $462.2M | $59.0M | $393K | 0.29% | 2.59% | 0.38% |
| Q4 2025 | $541.2M | $432.8M | $464.0M | $58.9M | $1.7M | 0.33% | 2.54% | 0.34% |
| Q3 2025 | $537.8M | $421.6M | $470.1M | $58.1M | $1.1M | 0.27% | 2.51% | 0.35% |
| Q2 2025 | $528.4M | $403.3M | $461.6M | $57.1M | $518K | 0.20% | 2.44% | 0.20% |
| Q1 2025 | $519.3M | $407.4M | $451.6M | $56.8M | $167K | 0.13% | 2.31% | 0.08% |
| Q4 2024 | $524.2M | $394.9M | $446.4M | $56.3M | $964K | 0.19% | 2.40% | 0.18% |
| Q3 2024 | $507.0M | $371.0M | $440.9M | $56.9M | $851K | 0.23% | 2.43% | 0.31% |
Loan mix (Q2 2026): real estate $460.6M · commercial $45K · consumer $5.4M · securities $22.2M
| Ratio | Milford Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 1.28% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 12.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 61.2% | 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 | Milford Federal 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 | Milford Federal 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 | Milford Federal 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 | Milford Federal 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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