| Metric | Young Americans Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +3.0% | -7.4 pts |
| Deposit growth (YoY) | -4.3% | +2.5% | -6.8 pts |
| Loan growth (YoY) | +38.2% | +2.6% | +35.6 pts |
| ROA | -11.53% | 0.99% | -12.5 pts |
| ROE | -89.7% | 8.1% | -97.8 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.5M | $13.4M | $47K | $1.8M | $-914K | -11.53% | 3.36% | 0.04% |
| Q1 2026 | $16.3M | $14.0M | $33K | $2.0M | $-457K | -11.41% | 3.38% | 0.00% |
| Q4 2025 | $15.8M | $13.3M | $36K | $2.2M | $-2.2M | -13.60% | 3.52% | 0.01% |
| Q3 2025 | $15.9M | $13.3M | $39K | $2.3M | $-1.6M | -13.31% | 3.73% | 0.01% |
| Q2 2025 | $16.2M | $14.0M | $34K | $2.0M | $-1.0M | -12.43% | 3.91% | 0.00% |
| Q1 2025 | $16.7M | $14.6M | $38K | $1.9M | $-540K | -12.73% | 3.41% | 0.01% |
| Q4 2024 | $17.3M | $15.3M | $25K | $1.7M | $-1.8M | -10.19% | 3.21% | 0.01% |
| Q3 2024 | $18.4M | $17.0M | $26K | $1.2M | $-1.5M | -10.65% | 3.09% | 0.01% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $57K · securities $0
| Ratio | Young Americans Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -11.53% | 0.99% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -89.7% | 8.1% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 455.5% | 70.8% | 99th |
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 | Young Americans 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 | Young Americans 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 | Young Americans 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 | Young Americans 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.