No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $141.4M | $125.1M | $73.8M | $17.1M | $265K | 0.75% | 3.32% | 0.38% | 11,273 |
| Q4 2025 | $138.2M | $121.9M | $73.6M | $16.8M | $928K | 0.67% | 3.22% | 0.32% | 11,179 |
| Q3 2025 | $137.9M | $121.8M | $71.7M | $16.5M | $599K | 0.58% | 3.17% | 0.46% | 11,139 |
| Q2 2025 | $135.8M | $120.7M | $68.9M | $16.3M | $396K | 0.58% | 3.13% | 0.23% | 11,015 |
| Q1 2025 | $137.4M | $122.4M | $68.5M | $16.0M | $154K | 0.45% | 2.99% | 0.18% | 10,897 |
| Q4 2024 | $132.2M | $118.2M | $66.2M | $15.9M | $842K | 0.64% | 3.03% | 0.20% | 10,809 |
| Q3 2024 | $131.8M | $116.9M | $66.1M | $15.6M | $586K | 0.59% | 3.01% | 0.25% | 10,805 |
| Q2 2024 | $130.7M | $117.1M | $65.5M | $15.4M | $417K | 0.64% | 3.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.69% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 5.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.18% |
| 10,679 |
Loan mix (Q1 2026): real estate $16.4M · commercial $0 · consumer $54.6M · securities $51.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 78.7% | 58th |
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.