No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.0M | $11.1M | $4.4M | $2.8M | $50K | 1.44% | 4.65% | 0.17% | 1,168 |
| Q4 2025 | $13.9M | $11.0M | $4.4M | $2.7M | $263K | 1.89% | 4.63% | 0.15% | 1,157 |
| Q3 2025 | $13.6M | $10.8M | $4.1M | $2.7M | $168K | 1.65% | 4.74% | 0.74% | 1,155 |
| Q2 2025 | $13.7M | $10.9M | $4.0M | $2.6M | $108K | 1.58% | 4.67% | 1.29% | 1,144 |
| Q1 2025 | $13.5M | $10.7M | $3.9M | $2.6M | $54K | 1.61% | 4.74% | 0.07% | 1,128 |
| Q4 2024 | $13.6M | $11.0M | $3.9M | $2.5M | $258K | 1.90% | 4.80% | 0.23% | 1,127 |
| Q3 2024 | $13.2M | $10.6M | $4.1M | $2.5M | $203K | 2.05% | 4.93% | 0.35% | 1,129 |
| Q2 2024 | $13.0M | $10.5M | $4.2M | $2.4M | $127K | 1.96% | 4.97% | 1.84% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.1% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,135 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $5.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 81.5% | 9th |
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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Harris, TX, ranked 140th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $10.9M* | 0.00% | 140th |
Texas: 763rd with 0.00% · Houston-Pasadena-The Woodlands metro: 169th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1