No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $118.0M | $105.9M | $83.2M | $10.3M | $121K | 0.41% | 3.74% | 0.48% | 9,067 |
| Q4 2025 | $114.1M | $102.2M | $82.6M | $10.2M | $148K | 0.13% | 3.83% | 0.54% | 9,085 |
| Q3 2025 | $112.4M | $100.4M | $81.4M | $10.2M | $125K | 0.15% | 3.82% | 1.28% | 9,137 |
| Q2 2025 | $110.7M | $99.3M | $81.5M | $10.1M | $71K | 0.13% | 3.82% | 0.35% | 9,187 |
| Q1 2025 | $111.6M | $100.4M | $80.1M | $10.1M | $31K | 0.11% | 3.69% | 0.58% | 9,224 |
| Q4 2024 | $107.7M | $96.3M | $79.4M | $10.1M | $317K | 0.29% | 3.58% | 1.05% | 9,246 |
| Q3 2024 | $107.3M | $96.2M | $81.5M | $10.0M | $265K | 0.33% | 3.54% | 0.80% | 9,308 |
| Q2 2024 | $106.6M | $95.9M | $81.2M | $10.0M | $182K | 0.34% | 3.49% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.69% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.98% |
| 9,417 |
Loan mix (Q1 2026): real estate $41.6M · commercial $10.0M · consumer $29.9M · securities $22.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.0% | 78.7% | 83rd |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Hancock, OH, ranked 5th with 4.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hancock, OH | 2 | $99.3M* | 4.66% | 5th |
Ohio: 210th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2