No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $293.3M | $264.2M | $223.3M | $30.3M | $506K | 0.69% | 4.04% | 0.26% | 21,952 |
| Q4 2025 | $290.7M | $258.6M | $223.2M | $29.8M | $1.3M | 0.46% | 4.02% | 0.45% | 21,935 |
| Q3 2025 | $282.7M | $251.5M | $225.3M | $29.2M | $745K | 0.35% | 4.04% | 0.55% | 21,984 |
| Q2 2025 | $289.5M | $256.7M | $217.4M | $29.1M | $335K | 0.23% | 3.84% | 0.40% | 22,013 |
| Q1 2025 | $291.1M | $259.7M | $207.9M | $28.8M | $150K | 0.21% | 3.83% | 0.61% | 21,982 |
| Q4 2024 | $277.5M | $246.0M | $208.0M | $28.6M | $1.2M | 0.44% | 3.79% | 0.73% | 21,991 |
| Q3 2024 | $274.1M | $240.9M | $205.6M | $28.7M | $1.1M | 0.53% | 3.90% | 0.33% | 22,197 |
| Q2 2024 | $276.4M | $244.6M | $200.0M | $28.4M | $585K | 0.42% | 3.79% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Kalsee Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.69% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 22,983 |
Loan mix (Q1 2026): real estate $70.8M · commercial $20.3M · consumer $114.1M · securities $32.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 78.7% | 67th |
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 | Kalsee Credit Union | 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 | Kalsee Credit Union | 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 | Kalsee Credit Union | 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 | Kalsee Credit Union | 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.