No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.6M | $22.5M | $12.3M | $2.9M | $49K | 0.76% | 3.17% | 0.16% | 1,425 |
| Q4 2025 | $25.0M | $22.0M | $12.3M | $2.8M | $228K | 0.91% | 3.31% | 0.10% | 1,414 |
| Q3 2025 | $25.1M | $22.2M | $12.0M | $2.8M | $167K | 0.89% | 3.27% | 0.15% | 1,411 |
| Q2 2025 | $24.9M | $22.1M | $11.5M | $2.7M | $104K | 0.83% | 3.22% | 0.00% | 1,410 |
| Q1 2025 | $23.7M | $20.8M | $11.5M | $2.7M | $42K | 0.71% | 3.20% | 0.10% | 1,409 |
| Q4 2024 | $23.3M | $20.5M | $11.2M | $2.6M | $159K | 0.68% | 3.05% | 0.02% | 1,410 |
| Q3 2024 | $23.7M | $20.9M | $10.6M | $2.6M | $101K | 0.57% | 2.94% | 0.04% | 1,403 |
| Q2 2024 | $23.2M | $20.6M | $10.6M | $2.6M | $61K | 0.53% | 2.95% | 0.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,402 |
Loan mix (Q1 2026): real estate $6.6M · commercial $0 · consumer $5.0M · securities $10.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 81.5% | 43th |
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.