No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.40B | $1.27B | $757.5M | $156.2M | $1.1M | 0.30% | 3.24% | 0.56% | 49,215 |
| Q4 2025 | $1.36B | $1.22B | $766.5M | $155.2M | $2.2M | 0.16% | 3.25% | 0.67% | 48,818 |
| Q3 2025 | $1.38B | $1.24B | $759.3M | $155.9M | $2.5M | 0.24% | 3.22% | 0.63% | 48,376 |
| Q2 2025 | $1.34B | $1.21B | $758.5M | $155.1M | $1.7M | 0.25% | 3.28% | 0.62% | 47,776 |
| Q1 2025 | $1.33B | $1.20B | $754.6M | $153.9M | $455K | 0.14% | 3.21% | 0.40% | 47,544 |
| Q4 2024 | $1.33B | $1.17B | $758.3M | $153.4M | $2.9M | 0.22% | 3.21% | 0.54% | 46,867 |
| Q3 2024 | $1.34B | $1.14B | $752.3M | $154.4M | $3.5M | 0.35% | 3.20% | 0.48% | 46,407 |
| Q2 2024 | $1.37B | $1.14B | $756.3M | $152.9M | $2.0M | 0.29% | 3.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.71% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 6.3% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 45,872 |
Loan mix (Q1 2026): real estate $480.4M · commercial $0 · consumer $263.5M · securities $399.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.1% | 73.0% | 91th |
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.