No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $153.4M | $135.1M | $110.2M | $17.8M | $246K | 0.64% | 4.38% | 0.51% | 11,466 |
| Q4 2025 | $147.2M | $129.1M | $104.8M | $17.5M | $717K | 0.49% | 4.30% | 0.62% | 11,330 |
| Q3 2025 | $145.5M | $127.8M | $103.3M | $17.3M | $508K | 0.47% | 4.21% | 0.65% | 11,284 |
| Q2 2025 | $145.2M | $128.0M | $97.8M | $17.1M | $301K | 0.41% | 4.15% | 0.57% | 11,202 |
| Q1 2025 | $147.8M | $131.8M | $95.9M | $16.9M | $54K | 0.15% | 3.96% | 0.94% | 11,131 |
| Q4 2024 | $141.7M | $126.3M | $95.8M | $16.8M | $844K | 0.60% | 4.07% | 0.91% | 11,069 |
| Q3 2024 | $146.4M | $130.0M | $96.0M | $16.9M | $923K | 0.84% | 3.92% | 1.01% | 11,173 |
| Q2 2024 | $145.2M | $130.4M | $96.3M | $16.7M | $671K | 0.92% | 3.90% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.69% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 11,177 |
Loan mix (Q1 2026): real estate $36.0M · commercial $14.9M · consumer $55.4M · securities $25.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 78.7% | 70th |
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.