No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $90.8M | $77.6M | $47.4M | $12.9M | $151K | 0.66% | 3.79% | 1.27% | 5,807 |
| Q4 2025 | $90.6M | $77.5M | $47.3M | $12.8M | $929K | 1.02% | 3.82% | 1.40% | 5,854 |
| Q3 2025 | $88.0M | $75.2M | $47.1M | $12.6M | $734K | 1.11% | 3.91% | 0.90% | 5,897 |
| Q2 2025 | $88.5M | $76.0M | $48.9M | $12.3M | $504K | 1.14% | 3.85% | 0.05% | 5,927 |
| Q1 2025 | $91.0M | $78.7M | $48.3M | $12.1M | $230K | 1.01% | 3.71% | 0.13% | 5,981 |
| Q4 2024 | $86.6M | $74.5M | $48.6M | $11.8M | $704K | 0.81% | 3.54% | 0.22% | 5,999 |
| Q3 2024 | $83.4M | $71.6M | $49.3M | $11.7M | $507K | 0.81% | 3.62% | 0.19% | 6,070 |
| Q2 2024 | $83.2M | $71.4M | $49.3M | $11.6M | $359K | 0.86% | 3.56% | 0.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,097 |
Loan mix (Q1 2026): real estate $30.3M · commercial $386K · consumer $13.6M · securities $32.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 81.5% | 61th |
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.