No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $116.5M | $101.9M | $88.5M | $13.3M | $120K | 0.41% | 4.58% | 0.46% | 11,638 |
| Q4 2025 | $116.4M | $99.4M | $88.1M | $13.2M | $883K | 0.76% | 4.52% | 0.48% | 11,544 |
| Q3 2025 | $113.7M | $98.9M | $87.2M | $13.1M | $764K | 0.90% | 4.57% | 0.47% | 12,175 |
| Q2 2025 | $111.9M | $96.9M | $85.3M | $12.9M | $526K | 0.94% | 4.60% | 0.47% | 12,216 |
| Q1 2025 | $111.3M | $97.2M | $82.2M | $12.6M | $262K | 0.94% | 4.49% | 0.46% | 12,181 |
| Q4 2024 | $105.1M | $91.3M | $81.2M | $12.3M | $1.3M | 1.23% | 4.72% | 0.48% | 12,136 |
| Q3 2024 | $102.8M | $88.7M | $80.3M | $12.1M | $1.1M | 1.38% | 4.82% | 0.45% | 12,010 |
| Q2 2024 | $103.3M | $90.0M | $78.4M | $11.7M | $663K | 1.28% | 4.78% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.69% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.41% |
| 11,953 |
Loan mix (Q1 2026): real estate $56.9M · commercial $656K · consumer $28.8M · securities $5.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.4% | 78.7% | 86th |
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.