No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.4M | $14.4M | $8.7M | $2.9M | $49K | 1.13% | 4.62% | 0.00% | 1,054 |
| Q4 2025 | $17.7M | $14.6M | $8.3M | $2.8M | $157K | 0.88% | 4.16% | 0.00% | 1,054 |
| Q3 2025 | $16.6M | $13.6M | $8.8M | $2.9M | $210K | 1.68% | 5.06% | 0.00% | 1,049 |
| Q2 2025 | $16.9M | $13.9M | $8.6M | $2.8M | $137K | 1.62% | 4.93% | 0.07% | 1,040 |
| Q1 2025 | $16.1M | $13.3M | $8.4M | $2.7M | $67K | 1.65% | 5.06% | 0.00% | 1,045 |
| Q4 2024 | $15.9M | $13.0M | $8.0M | $2.7M | $146K | 0.92% | 4.47% | 0.00% | 1,033 |
| Q3 2024 | $15.4M | $12.6M | $7.8M | $2.7M | $210K | 1.82% | 5.12% | 0.00% | 1,028 |
| Q2 2024 | $15.3M | $12.5M | $7.5M | $2.7M | $137K | 1.78% | 5.02% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,024 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.3M · securities $6.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 81.5% | 41th |
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.