| Metric | Profinium, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.9% | -2.2 pts |
| Deposit growth (YoY) | +3.0% | +4.3% | -1.3 pts |
| Loan growth (YoY) | -3.7% | +5.3% | -9.0 pts |
| ROA | 0.92% | 1.28% | -0.4 pts |
| ROE | 10.1% | 12.4% | -2.3 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $533.1M | $455.1M | $388.9M | $49.6M | $2.4M | 0.92% | 3.47% | 0.10% |
| Q1 2026 | $523.9M | $447.7M | $385.5M | $47.6M | $972K | 0.74% | 3.37% | 0.14% |
| Q4 2025 | $522.6M | $446.0M | $390.6M | $47.3M | $3.9M | 0.76% | 3.24% | 0.14% |
| Q3 2025 | $516.8M | $437.5M | $395.5M | $45.4M | $2.7M | 0.70% | 3.20% | 0.19% |
| Q2 2025 | $518.9M | $441.8M | $403.8M | $43.3M | $1.9M | 0.72% | 3.17% | 0.15% |
| Q1 2025 | $519.3M | $442.8M | $396.1M | $42.3M | $942K | 0.72% | 3.26% | 0.17% |
| Q4 2024 | $534.0M | $460.5M | $408.2M | $40.6M | $663K | 0.13% | 2.77% | 0.16% |
| Q3 2024 | $518.4M | $445.2M | $402.2M | $42.9M | $676K | 0.17% | 2.73% | 0.31% |
Loan mix (Q2 2026): real estate $302.6M · commercial $25.5M · consumer $1.7M · securities $69.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Profinium, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.28% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 12.4% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 61.2% | 65th |
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 | Profinium, Inc. | 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 | Profinium, Inc. | 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 | Profinium, Inc. | 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 | Profinium, Inc. | 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.