| Metric | Redemption Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +3.0% | -7.3 pts |
| Deposit growth (YoY) | -5.2% | +2.5% | -7.7 pts |
| Loan growth (YoY) | +40.5% | +2.6% | +37.9 pts |
| ROA | -0.28% | 0.99% | -1.3 pts |
| ROE | -1.5% | 8.1% | -9.5 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.5M | $62.9M | $58.5M | $14.0M | $-102K | -0.28% | 5.64% | 0.29% |
| Q1 2026 | $71.6M | $57.2M | $51.8M | $13.9M | $-219K | -1.22% | 5.05% | 0.88% |
| Q4 2025 | $72.2M | $57.5M | $51.8M | $14.1M | $21K | 0.03% | 5.26% | 0.90% |
| Q3 2025 | $72.5M | $57.6M | $48.2M | $14.4M | $365K | 0.69% | 5.03% | 0.03% |
| Q2 2025 | $81.0M | $66.3M | $41.6M | $14.3M | $199K | 0.57% | 4.72% | 0.03% |
| Q1 2025 | $65.7M | $53.6M | $38.1M | $11.3M | $286K | 1.76% | 4.82% | 0.03% |
| Q4 2024 | $64.6M | $52.8M | $40.0M | $11.2M | $690K | 1.09% | 4.93% | 0.04% |
| Q3 2024 | $64.6M | $52.7M | $41.7M | $11.2M | $541K | 1.15% | 4.87% | 0.12% |
Loan mix (Q2 2026): real estate $44.1M · commercial $8.3M · consumer $306K · securities $3.0M
| Ratio | Redemption Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.28% | 0.99% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -1.5% | 8.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.0% | 70.8% | 88th |
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 | Redemption 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 | Redemption 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 | Redemption 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 | Redemption 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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