No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $97.6M | $80.5M | $21.1M | $22.0M | $17K | 0.07% | 2.62% | 0.00% | 6,206 |
| Q4 2025 | $96.8M | $79.9M | $21.7M | $22.0M | $364K | 0.38% | 2.73% | 0.01% | 6,192 |
| Q3 2025 | $95.6M | $78.8M | $21.5M | $22.0M | $332K | 0.46% | 2.78% | 0.03% | 6,154 |
| Q2 2025 | $94.7M | $78.9M | $22.7M | $21.9M | $182K | 0.38% | 2.79% | 0.16% | 6,143 |
| Q1 2025 | $94.0M | $78.6M | $22.7M | $21.8M | $81K | 0.35% | 2.79% | 0.09% | 6,240 |
| Q4 2024 | $90.2M | $75.9M | $22.1M | $21.7M | $427K | 0.47% | 2.98% | 0.06% | 6,205 |
| Q3 2024 | $91.8M | $75.9M | $21.5M | $21.6M | $337K | 0.49% | 2.94% | 0.07% | 6,186 |
| Q2 2024 | $90.0M | $77.2M | $20.9M | $21.4M | $105K | 0.23% | 2.98% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,170 |
Loan mix (Q1 2026): real estate $8K · commercial $0 · consumer $20.0M · securities $52.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.1% | 81.5% | 79th |
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: Hidalgo, TX, ranked 20th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hidalgo, TX | 1 | $78.9M* | 0.45% | 20th |
Texas: 545th with 0.00% · McAllen-Edinburg-Mission metro: 20th, 0.45% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1