| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.9% | -5.5 pts |
| Deposit growth (YoY) | +1.5% | +4.3% | -2.8 pts |
| Loan growth (YoY) | -0.7% | +5.3% | -6.0 pts |
| ROA | 0.68% | 1.28% | -0.6 pts |
| ROE | 6.7% | 12.4% | -5.7 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $783.2M | $562.3M | $603.9M | $81.4M | $2.7M | 0.68% | 3.13% | 2.85% |
| Q1 2026 | $797.2M | $568.7M | $614.7M | $79.9M | $1.3M | 0.68% | 3.06% | 1.86% |
| Q4 2025 | $790.4M | $554.6M | $608.6M | $79.3M | $1.3M | 0.17% | 2.86% | 1.97% |
| Q3 2025 | $794.6M | $571.0M | $610.7M | $79.7M | $2.0M | 0.34% | 2.82% | 1.10% |
| Q2 2025 | $787.5M | $553.8M | $608.1M | $75.8M | $633K | 0.16% | 2.75% | 1.08% |
| Q1 2025 | $777.8M | $566.5M | $587.4M | $77.1M | $1.1M | 0.55% | 2.74% | 0.39% |
| Q4 2024 | $770.0M | $554.5M | $585.4M | $74.3M | $3.5M | 0.47% | 2.68% | 0.36% |
| Q3 2024 | $764.1M | $555.1M | $569.8M | $77.2M | $2.4M | 0.43% | 2.65% | 0.39% |
Loan mix (Q2 2026): real estate $567.4M · commercial $35.8M · consumer $8.9M · securities $121.4M
| Ratio | Savers Co-operative Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.28% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 12.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 61.2% | 76th |
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 | Savers Co-operative 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 | Savers Co-operative 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 | Savers Co-operative 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 | Savers Co-operative 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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