No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.2M | $901K | $478K | $243K | $-748 | -0.26% | 2.45% | 0.00% | 204 |
| Q4 2025 | $1.1M | $851K | $497K | $243K | $11K | 0.98% | 3.50% | 0.00% | 206 |
| Q3 2025 | $1.1M | $867K | $478K | $237K | $2K | 0.27% | 3.02% | 0.00% | 211 |
| Q2 2025 | $1.1M | $909K | $524K | $235K | $-202 | -0.04% | 2.69% | 0.00% | 210 |
| Q1 2025 | $1.2M | $931K | $510K | $234K | $-897 | -0.31% | 2.73% | 0.00% | 210 |
| Q4 2024 | $1.1M | $860K | $581K | $233K | $13K | 1.16% | 4.05% | 0.00% | 211 |
| Q3 2024 | $1.1M | $864K | $687K | $229K | $9K | 1.05% | 4.14% | 0.00% | 208 |
| Q2 2024 | $1.3M | $1.1M | $746K | $227K | $7K | 1.15% | 3.42% | 0.00% | 214 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.26% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.5% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $468K · securities $472K
| 81.5% |
| — |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Erie, NY, ranked 72nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $909K* | 0.00% | 72nd |
New York: 445th with 0.00% · Buffalo-Cheektowaga metro: 82nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1