| Metric | The Cooperative Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.9% | -4.1 pts |
| Deposit growth (YoY) | +1.3% | +4.3% | -3.1 pts |
| Loan growth (YoY) | +1.3% | +5.3% | -4.0 pts |
| ROA | 0.06% | 1.28% | -1.2 pts |
| ROE | 0.6% | 12.4% | -11.8 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $548.3M | $457.8M | $459.7M | $48.2M | $153K | 0.06% | 2.89% | 0.49% |
| Q1 2026 | $543.5M | $459.8M | $449.1M | $48.2M | $161K | 0.12% | 2.84% | 0.47% |
| Q4 2025 | $543.5M | $454.7M | $452.7M | $48.1M | $629K | 0.12% | 2.67% | 0.45% |
| Q3 2025 | $539.0M | $449.9M | $448.5M | $47.7M | $520K | 0.13% | 2.64% | 0.44% |
| Q2 2025 | $544.2M | $452.1M | $453.7M | $46.9M | $105K | 0.04% | 2.61% | 0.32% |
| Q1 2025 | $551.2M | $457.3M | $464.2M | $46.9M | $118K | 0.09% | 2.59% | 0.61% |
| Q4 2024 | $554.8M | $458.3M | $467.4M | $46.5M | $627K | 0.11% | 2.43% | 0.57% |
| Q3 2024 | $573.4M | $457.8M | $479.3M | $46.9M | $354K | 0.08% | 2.39% | 0.46% |
Loan mix (Q2 2026): real estate $460.3M · commercial $2.9M · consumer $161K · securities $46.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Cooperative Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 1.28% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 12.4% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.2% | 61.2% | 98th |
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 | The Cooperative 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 | The Cooperative 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 | The Cooperative 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 | The Cooperative 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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