No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $250.8M | $225.8M | $209.6M | $23.9M | $460K | 0.73% | 3.77% | 0.86% | 17,024 |
| Q4 2025 | $243.6M | $219.2M | $204.2M | $24.3M | $1.9M | 0.78% | 3.91% | 0.74% | 16,847 |
| Q3 2025 | $237.8M | $214.4M | $199.1M | $23.9M | $1.1M | 0.61% | 3.92% | 0.76% | 16,767 |
| Q2 2025 | $230.3M | $206.4M | $192.8M | $23.4M | $383K | 0.33% | 3.89% | 0.57% | 16,540 |
| Q1 2025 | $228.3M | $206.3M | $183.5M | $23.1M | $86K | 0.15% | 3.53% | 0.72% | 16,397 |
| Q4 2024 | $222.4M | $196.0M | $176.1M | $23.6M | $1.8M | 0.80% | 3.79% | 1.01% | 16,182 |
| Q3 2024 | $210.9M | $184.2M | $170.8M | $23.3M | $1.5M | 0.92% | 4.02% | 1.55% | 16,061 |
| Q2 2024 | $204.2M | $177.2M | $163.1M | $22.7M | $865K | 0.85% | 3.84% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.69% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.56% |
| 15,939 |
Loan mix (Q1 2026): real estate $121.5M · commercial $20.1M · consumer $55.1M · securities $20.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 78.7% | 38th |
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.