No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $603.3M | $519.5M | $382.7M | $78.2M | $2.3M | 1.50% | 3.93% | 0.41% | 45,783 |
| Q4 2025 | $580.2M | $497.8M | $372.5M | $75.9M | $7.7M | 1.34% | 3.84% | 0.51% | 45,254 |
| Q3 2025 | $548.8M | $469.5M | $366.5M | $73.9M | $5.4M | 1.30% | 3.99% | 0.45% | 45,563 |
| Q2 2025 | $553.0M | $476.5M | $349.3M | $71.7M | $3.2M | 1.15% | 3.84% | 0.46% | 45,240 |
| Q1 2025 | $552.9M | $480.7M | $338.5M | $70.0M | $1.5M | 1.06% | 3.70% | 0.40% | 44,736 |
| Q4 2024 | $528.3M | $458.7M | $331.8M | $68.5M | $5.8M | 1.09% | 3.54% | 0.66% | 44,313 |
| Q3 2024 | $509.5M | $439.9M | $327.4M | $67.8M | $4.7M | 1.23% | 3.59% | 0.62% | 44,513 |
| Q2 2024 | $511.8M | $446.1M | $317.8M | $66.1M | $3.1M | 1.20% | 3.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.62% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 5.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 44,188 |
Loan mix (Q1 2026): real estate $150.3M · commercial $7.0M · consumer $212.7M · securities $111.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 78.3% | 14th |
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.