| Metric | Windsor Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | +2.6% | +4.3% | -1.7 pts |
| Loan growth (YoY) | +10.6% | +5.3% | +5.2 pts |
| ROA | 0.20% | 1.28% | -1.1 pts |
| ROE | 2.2% | 12.4% | -10.2 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $895.4M | $730.2M | $708.1M | $79.7M | $888K | 0.20% | 3.67% | 0.79% |
| Q1 2026 | $882.1M | $725.9M | $689.1M | $80.3M | $1.6M | 0.71% | 3.67% | 0.54% |
| Q4 2025 | $874.8M | $707.3M | $685.2M | $79.3M | $4.6M | 0.54% | 3.42% | 0.55% |
| Q3 2025 | $853.3M | $708.8M | $658.0M | $77.2M | $3.0M | 0.48% | 3.37% | 0.54% |
| Q2 2025 | $840.6M | $711.4M | $640.5M | $74.0M | $2.1M | 0.51% | 3.29% | 0.63% |
| Q1 2025 | $848.5M | $720.0M | $626.0M | $72.6M | $874K | 0.42% | 3.17% | 0.66% |
| Q4 2024 | $824.3M | $692.3M | $612.9M | $69.7M | $3.8M | 0.48% | 3.23% | 0.69% |
| Q3 2024 | $803.3M | $667.1M | $592.4M | $72.5M | $3.0M | 0.50% | 3.23% | 0.74% |
Loan mix (Q2 2026): real estate $528.3M · commercial $84.3M · consumer $59K · securities $119.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Windsor Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 1.28% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 12.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 61.2% | 83th |
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 | Windsor 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 | Windsor 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 | Windsor 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 | Windsor 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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