No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $81.2M | $63.9M | $50.6M | $17.7M | $354K | 1.74% | 3.79% | 0.99% | 6,427 |
| Q4 2025 | $79.7M | $63.2M | $51.9M | $17.3M | $1.4M | 1.81% | 3.78% | 0.67% | 6,390 |
| Q3 2025 | $78.1M | $61.3M | $51.8M | $16.9M | $1.1M | 1.80% | 3.80% | 0.61% | 6,358 |
| Q2 2025 | $75.8M | $59.7M | $51.7M | $16.5M | $555K | 1.46% | 3.82% | 0.69% | 6,325 |
| Q1 2025 | $75.2M | $58.9M | $53.0M | $16.2M | $334K | 1.78% | 3.81% | 0.86% | 6,293 |
| Q4 2024 | $72.9M | $56.9M | $54.0M | $15.9M | $1.1M | 1.51% | 3.68% | 0.96% | 6,241 |
| Q3 2024 | $72.6M | $56.9M | $55.0M | $15.5M | $752K | 1.38% | 3.64% | 0.72% | 6,207 |
| Q2 2024 | $72.6M | $57.5M | $56.1M | $15.3M | $483K | 1.33% | 3.55% | 0.73% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% |
Peer lists, growth filters, CSV export, CRM push.
| 6,178 |
Loan mix (Q1 2026): real estate $18.4M · commercial $0 · consumer $30.1M · securities $13.9M
| 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 |
|---|---|---|---|---|
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.