No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.0M | $36.3M | $20.4M | $5.6M | $161K | 1.53% | 3.34% | 2.02% | 2,893 |
| Q4 2025 | $40.8M | $35.3M | $20.5M | $5.5M | $649K | 1.59% | 3.54% | 1.99% | 2,892 |
| Q3 2025 | $41.0M | $35.6M | $20.6M | $5.3M | $463K | 1.51% | 3.51% | 1.98% | 2,911 |
| Q2 2025 | $40.0M | $34.8M | $21.1M | $5.1M | $298K | 1.49% | 3.53% | 0.85% | 2,922 |
| Q1 2025 | $40.4M | $35.4M | $21.4M | $4.9M | $112K | 1.11% | 3.41% | 0.64% | 2,917 |
| Q4 2024 | $38.5M | $33.6M | $20.9M | $4.8M | $604K | 1.57% | 3.51% | 0.69% | 2,900 |
| Q3 2024 | $38.4M | $33.7M | $20.4M | $4.7M | $468K | 1.62% | 3.50% | 0.31% | 2,941 |
| Q2 2024 | $37.5M | $32.9M | $20.4M | $4.5M | $330K | 1.76% | 3.55% | 0.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,929 |
Loan mix (Q1 2026): real estate $994K · commercial $131K · consumer $18.4M · securities $16.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 81.5% | 10th |
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.