No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.8M | $36.6M | $23.2M | $3.0M | $-32K | -0.32% | 3.58% | 0.94% | 3,612 |
| Q4 2025 | $38.3M | $35.0M | $22.8M | $3.0M | $-56K | -0.15% | 3.41% | 0.96% | 3,616 |
| Q3 2025 | $37.2M | $33.9M | $22.6M | $3.1M | $-8K | -0.03% | 3.46% | 0.92% | 3,583 |
| Q2 2025 | $37.1M | $33.8M | $20.9M | $3.1M | $11K | 0.06% | 3.41% | 0.78% | 3,496 |
| Q1 2025 | $38.1M | $34.8M | $20.8M | $3.1M | $5K | 0.05% | 3.25% | 0.70% | 3,485 |
| Q4 2024 | $38.4M | $34.2M | $21.0M | $3.1M | $55K | 0.14% | 3.19% | 1.08% | 3,472 |
| Q3 2024 | $38.2M | $34.8M | $21.1M | $3.1M | $76K | 0.26% | 3.21% | 1.52% | 3,461 |
| Q2 2024 | $38.9M | $35.5M | $20.7M | $3.1M | $46K | 0.24% | 3.14% | 0.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.32% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -4.2% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,435 |
Loan mix (Q1 2026): real estate $6.8M · commercial $329K · consumer $15.7M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.2% | 81.5% | 82th |
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.