No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $369.6M | $306.3M | $239.9M | $61.6M | $1.7M | 1.79% | 4.09% | 1.23% | 16,373 |
| Q4 2025 | $361.5M | $298.5M | $240.8M | $59.9M | $5.1M | 1.40% | 4.02% | 1.70% | 16,296 |
| Q3 2025 | $351.2M | $290.9M | $240.0M | $59.6M | $4.3M | 1.64% | 4.08% | 1.69% | 16,225 |
| Q2 2025 | $350.2M | $290.6M | $237.4M | $57.5M | $2.3M | 1.30% | 3.79% | 1.85% | 16,038 |
| Q1 2025 | $345.5M | $289.1M | $239.6M | $56.4M | $1.2M | 1.33% | 3.76% | 1.27% | 15,909 |
| Q4 2024 | $330.7M | $275.5M | $239.5M | $55.2M | $4.4M | 1.32% | 3.75% | 1.75% | 15,814 |
| Q3 2024 | $324.7M | $270.8M | $237.2M | $54.9M | $3.7M | 1.52% | 3.77% | 1.52% | 15,799 |
| Q2 2024 | $327.6M | $273.1M | $233.0M | $53.9M | $2.6M | 1.61% | 3.67% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 0.69% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.67% |
| 15,587 |
Loan mix (Q1 2026): real estate $162.5M · commercial $21.2M · consumer $48.8M · securities $81.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 78.7% | 14th |
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.