No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $429.1M | $376.6M | $287.0M | $49.4M | $760K | 0.71% | 2.92% | 0.12% | 26,800 |
| Q4 2025 | $416.7M | $365.7M | $285.7M | $48.6M | $3.0M | 0.72% | 2.89% | 0.30% | 25,930 |
| Q3 2025 | $413.9M | $364.2M | $275.8M | $47.3M | $1.7M | 0.55% | 2.86% | 0.20% | 26,154 |
| Q2 2025 | $415.8M | $366.0M | $276.3M | $46.6M | $966K | 0.46% | 2.80% | 0.13% | 26,499 |
| Q1 2025 | $423.0M | $373.8M | $273.9M | $45.8M | $264K | 0.25% | 2.66% | 0.11% | 26,928 |
| Q4 2024 | $418.6M | $370.1M | $275.6M | $45.6M | $3.4M | 0.81% | 2.79% | 0.36% | 27,146 |
| Q3 2024 | $409.6M | $363.2M | $274.8M | $44.1M | $1.9M | 0.61% | 2.75% | 0.17% | 27,399 |
| Q2 2024 | $409.2M | $361.7M | $274.7M | $43.4M | $1.2M | 0.59% | 2.74% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.69% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 5.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 28,207 |
Loan mix (Q1 2026): real estate $32.8M · commercial $125.3M · consumer $127.2M · securities $56.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 78.7% | 49th |
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.