No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.81B | $1.54B | $1.31B | $231.8M | $6.6M | 1.46% | 3.53% | 0.05% | 88,287 |
| Q4 2025 | $1.71B | $1.48B | $1.29B | $225.2M | $20.3M | 1.19% | 3.49% | 0.06% | 87,500 |
| Q3 2025 | $1.73B | $1.51B | $1.16B | $220.8M | $15.9M | 1.22% | 3.37% | 0.05% | 86,689 |
| Q2 2025 | $1.72B | $1.51B | $1.16B | $215.2M | $10.3M | 1.20% | 3.30% | 0.06% | 86,165 |
| Q1 2025 | $1.71B | $1.50B | $1.16B | $209.5M | $4.7M | 1.09% | 3.18% | 0.06% | 88,299 |
| Q4 2024 | $1.68B | $1.45B | $1.10B | $204.9M | $14.3M | 0.85% | 3.04% | 0.07% | 89,428 |
| Q3 2024 | $1.67B | $1.47B | $1.01B | $200.4M | $9.9M | 0.79% | 2.98% | 0.08% | 88,859 |
| Q2 2024 | $1.67B | $1.47B | $1.01B | $197.2M | $6.6M | 0.79% | 2.87% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.71% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 6.3% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.05% |
| 88,561 |
Loan mix (Q1 2026): real estate $722.2M · commercial $250.8M · consumer $293.7M · securities $239.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 73.0% | 25th |
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.