No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.1M | $22.7M | $15.2M | $2.3M | $44K | 0.70% | 3.73% | 0.45% | 2,256 |
| Q4 2025 | $22.7M | $20.4M | $15.9M | $2.3M | $100K | 0.44% | 3.81% | 0.70% | 2,260 |
| Q3 2025 | $24.4M | $22.1M | $15.8M | $2.2M | $71K | 0.39% | 3.47% | 0.71% | 2,269 |
| Q2 2025 | $24.6M | $22.4M | $16.2M | $2.2M | $34K | 0.28% | 3.31% | 0.62% | 2,252 |
| Q1 2025 | $24.7M | $22.4M | $16.0M | $2.2M | $11K | 0.17% | 3.12% | 0.32% | 2,253 |
| Q4 2024 | $24.7M | $22.5M | $16.4M | $2.2M | $62K | 0.25% | 2.78% | 0.35% | 2,247 |
| Q3 2024 | $22.7M | $20.5M | $16.6M | $2.1M | $52K | 0.30% | 2.98% | 0.26% | 2,240 |
| Q2 2024 | $23.4M | $21.2M | $17.0M | $2.1M | $29K | 0.25% | 2.84% | 0.31% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,161 |
Loan mix (Q1 2026): real estate $860K · commercial $0 · consumer $12.2M · securities $4.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 81.5% | 56th |
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.