No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.2M | $10.3M | $6.1M | $4.3M | $1K | 0.04% | 5.33% | 8.02% | 4,122 |
| Q4 2025 | $13.9M | $10.0M | $6.4M | $4.3M | $23K | 0.16% | 5.74% | 4.70% | 4,112 |
| Q3 2025 | $14.0M | $9.9M | $6.2M | $4.3M | $52K | 0.49% | 5.95% | 7.19% | 4,784 |
| Q2 2025 | $14.2M | $10.1M | $6.5M | $4.2M | $-14K | -0.19% | 5.76% | 8.99% | 4,368 |
| Q1 2025 | $14.8M | $10.5M | $6.6M | $4.5M | $6K | 0.16% | 5.96% | 6.75% | 4,585 |
| Q4 2024 | $14.6M | $10.5M | $6.9M | $4.5M | $171K | 1.17% | 4.59% | 9.65% | 4,862 |
| Q3 2024 | $14.9M | $10.4M | $7.5M | $4.4M | $14K | 0.13% | 4.93% | 17.35% | 4,372 |
| Q2 2024 | $15.1M | $10.5M | $7.7M | $4.4M | $-6K | -0.09% | 4.91% | 15.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,345 |
Loan mix (Q1 2026): real estate $2.3M · commercial $334K · consumer $3.2M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.5% | 81.5% | 84th |
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.