No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.1M | $8.3M | $4.7M | $616K | $12K | 0.54% | 5.58% | 4.05% | 4,071 |
| Q4 2025 | $8.4M | $7.8M | $4.4M | $604K | $23K | 0.28% | 5.78% | 3.99% | 3,903 |
| Q3 2025 | $8.4M | $7.7M | $4.4M | $599K | $18K | 0.28% | 5.75% | 4.66% | 3,708 |
| Q2 2025 | $8.2M | $7.6M | $4.3M | $598K | $18K | 0.43% | 5.77% | 3.88% | 3,547 |
| Q1 2025 | $8.1M | $7.5M | $4.4M | $577K | $-4K | -0.18% | 5.80% | 3.40% | 3,537 |
| Q4 2024 | $7.7M | $6.9M | $4.5M | $582K | $99K | 1.29% | 5.89% | 0.73% | 3,406 |
| Q3 2024 | $7.4M | $6.9M | $4.5M | $553K | $71K | 1.28% | 5.98% | 2.88% | 3,262 |
| Q2 2024 | $7.6M | $6.7M | $4.4M | $541K | $58K | 1.53% | 5.71% | 0.21% | 2,980 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.0M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.3% | 81.5% | 72th |
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.