No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $102.3M | $78.0M | $15.7M | $27.3M | $305K | 1.19% | 2.31% | 3.71% | 3,168 |
| Q4 2025 | $102.4M | $78.0M | $16.5M | $27.0M | $906K | 0.88% | 1.90% | 4.51% | 3,174 |
| Q3 2025 | $101.9M | $77.7M | $16.8M | $27.0M | $865K | 1.13% | 2.17% | 3.75% | 3,200 |
| Q2 2025 | $99.6M | $76.7M | $17.3M | $26.6M | $500K | 1.00% | 2.18% | 4.69% | 3,198 |
| Q1 2025 | $98.8M | $76.1M | $17.5M | $26.4M | $262K | 1.06% | 2.18% | 3.63% | 3,203 |
| Q4 2024 | $96.6M | $75.2M | $18.9M | $26.1M | $1.1M | 1.13% | 2.01% | 4.13% | 3,197 |
| Q3 2024 | $97.9M | $75.3M | $19.3M | $26.1M | $1.1M | 1.49% | 2.30% | 2.63% | 3,217 |
| Q2 2024 | $95.9M | $75.2M | $19.7M | $25.7M | $654K | 1.36% | 2.22% | 2.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.69% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 5.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.31% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3,234 |
Loan mix (Q1 2026): real estate $1.7M · commercial $0 · consumer $5.5M · securities $78.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.0% | 78.7% | 1th |
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.