No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $397.1M | $291.5M | $286.2M | $41.2M | $633K | 0.64% | 3.12% | 0.75% | 18,153 |
| Q4 2025 | $405.1M | $296.9M | $282.5M | $41.6M | $2.3M | 0.57% | 2.88% | 0.58% | 17,870 |
| Q3 2025 | $374.9M | $287.8M | $272.6M | $41.5M | $1.9M | 0.66% | 3.05% | 0.63% | 17,580 |
| Q2 2025 | $389.3M | $300.2M | $276.7M | $40.7M | $1.1M | 0.56% | 2.87% | 0.59% | 17,250 |
| Q1 2025 | $373.7M | $287.8M | $281.9M | $37.0M | $704K | 0.75% | 2.94% | 0.40% | 16,844 |
| Q4 2024 | $371.7M | $286.6M | $288.6M | $36.3M | $1.5M | 0.40% | 2.79% | 0.38% | 16,567 |
| Q3 2024 | $356.5M | $264.7M | $274.2M | $36.4M | $1.2M | 0.46% | 2.86% | 0.43% | 16,313 |
| Q2 2024 | $354.9M | $263.7M | $278.0M | $36.0M | $866K | 0.49% | 2.82% |
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 | 6.1% | 5.9% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 15,951 |
Loan mix (Q1 2026): real estate $117.3M · commercial $55.7M · consumer $104.7M · securities $43.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 78.7% | 52nd |
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.
5 branches in 1 county across 1 state (+1 vs 2024). Biggest market: Bucks, PA, ranked 25th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bucks, PA | 5 | $300.2M* | 0.97% | 25th |
Pennsylvania: 131st with 0.05% · Philadelphia-Camden-Wilmington metro: 63rd, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 5