| Metric | Woori America Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +5.5% | +0.7 pts |
| Deposit growth (YoY) | +7.6% | +5.1% | +2.6 pts |
| Loan growth (YoY) | +0.6% | +5.9% | -5.3 pts |
| ROA | 0.72% | 1.26% | -0.5 pts |
| ROE | 5.5% | 12.2% | -6.7 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 | $4.12B | $3.53B | $3.04B | $537.7M | $14.6M | 0.72% | 2.93% | 1.44% |
| Q1 2026 | $4.04B | $3.47B | $2.99B | $526.8M | $3.8M | 0.38% | 2.91% | 0.59% |
| Q4 2025 | $3.96B | $3.38B | $2.99B | $523.1M | $36.9M | 0.95% | 2.94% | 0.09% |
| Q3 2025 | $3.99B | $3.42B | $3.09B | $511.6M | $25.8M | 0.89% | 2.85% | 0.22% |
| Q2 2025 | $3.88B | $3.28B | $3.02B | $502.4M | $17.2M | 0.90% | 2.86% | 0.23% |
| Q1 2025 | $3.79B | $3.17B | $3.03B | $492.0M | $7.5M | 0.79% | 2.78% | 0.16% |
| Q4 2024 | $3.80B | $3.26B | $2.92B | $484.1M | $27.2M | 0.75% | 2.66% | 0.17% |
| Q3 2024 | $3.97B | $3.43B | $2.90B | $478.2M | $19.9M | 0.74% | 2.63% | 0.17% |
Loan mix (Q2 2026): real estate $2.56B · commercial $528.4M · consumer $1.6M · securities $110.6M
| Ratio | Woori America Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.26% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 12.2% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.9% | 59.0% | 35th |
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 | Woori America 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 | Woori America 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 | Woori America 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 | Woori America Bank | 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.