No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $133.7M | $115.4M | $84.3M | $18.1M | $135K | 0.40% | 3.82% | 2.03% | 10,400 |
| Q4 2025 | $131.7M | $113.7M | $84.5M | $18.1M | $249K | 0.19% | 3.82% | 2.31% | 10,546 |
| Q3 2025 | $133.6M | $115.3M | $84.9M | $18.0M | $201K | 0.20% | 3.72% | 2.21% | 10,646 |
| Q2 2025 | $135.6M | $117.2M | $84.7M | $17.9M | $85K | 0.13% | 3.62% | 1.84% | 10,763 |
| Q1 2025 | $135.2M | $117.2M | $83.5M | $17.9M | $32K | 0.09% | 3.56% | 1.44% | 10,839 |
| Q4 2024 | $129.8M | $111.9M | $85.1M | $18.0M | $189K | 0.15% | 3.68% | 2.42% | 11,753 |
| Q3 2024 | $131.1M | $113.3M | $85.1M | $17.9M | $129K | 0.13% | 3.61% | 1.77% | 11,803 |
| Q2 2024 | $132.5M | $114.7M | $86.5M | $17.8M | $-34K | -0.05% | 3.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.69% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.55% |
| 11,829 |
Loan mix (Q1 2026): real estate $36.5M · commercial $5.2M · consumer $40.9M · securities $26.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.8% | 78.7% | 77th |
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.