No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $743.0M | $667.9M | $535.9M | $71.8M | $255K | 0.14% | 2.98% | 1.05% | 35,226 |
| Q4 2025 | $743.5M | $668.8M | $534.3M | $71.6M | $3.1M | 0.42% | 2.89% | 1.11% | 34,833 |
| Q3 2025 | $729.0M | $651.9M | $534.9M | $71.1M | $2.5M | 0.47% | 2.92% | 1.00% | 34,821 |
| Q2 2025 | $708.3M | $635.4M | $542.6M | $70.1M | $1.5M | 0.43% | 2.97% | 0.73% | 34,500 |
| Q1 2025 | $721.4M | $651.8M | $553.0M | $69.2M | $638K | 0.35% | 2.88% | 0.70% | 34,228 |
| Q4 2024 | $721.7M | $629.8M | $563.2M | $68.5M | $5.7M | 0.80% | 2.88% | 0.80% | 33,975 |
| Q3 2024 | $705.5M | $619.8M | $570.7M | $68.0M | $5.2M | 0.98% | 2.96% | 0.89% | 34,597 |
| Q2 2024 | $706.0M | $621.4M | $579.7M | $67.0M | $4.1M | 1.16% | 2.99% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.62% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 5.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.86% |
| 34,198 |
Loan mix (Q1 2026): real estate $444.0M · commercial $3.7M · consumer $54.9M · securities $65.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.2% | 78.3% | 97th |
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.