No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $379.1M | $335.1M | $309.6M | $33.1M | $261K | 0.27% | 3.51% | 0.44% | 26,354 |
| Q4 2025 | $362.5M | $318.9M | $306.7M | $33.2M | $1.4M | 0.38% | 3.53% | 0.44% | 26,402 |
| Q3 2025 | $358.8M | $315.7M | $315.2M | $32.6M | $829K | 0.31% | 3.54% | 0.44% | 26,388 |
| Q2 2025 | $361.8M | $319.3M | $312.4M | $32.5M | $717K | 0.40% | 3.46% | 0.38% | 26,444 |
| Q1 2025 | $355.9M | $313.6M | $309.1M | $32.1M | $364K | 0.41% | 3.45% | 0.43% | 26,497 |
| Q4 2024 | $355.0M | $313.6M | $312.0M | $32.0M | $1.3M | 0.36% | 3.21% | 0.28% | 26,670 |
| Q3 2024 | $353.8M | $312.9M | $313.9M | $31.7M | $909K | 0.34% | 3.20% | 0.34% | 26,885 |
| Q2 2024 | $357.3M | $315.4M | $315.1M | $31.5M | $688K | 0.39% | 3.16% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.69% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 5.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 26,873 |
Loan mix (Q1 2026): real estate $186.4M · commercial $0 · consumer $122.7M · securities $12.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 78.7% | 79th |
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.