No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.0M | $29.2M | $9.9M | $3.7M | $141K | 1.71% | 4.34% | 0.30% | 2,599 |
| Q4 2025 | $31.8M | $28.1M | $10.2M | $3.6M | $607K | 1.91% | 4.55% | 0.51% | 2,623 |
| Q3 2025 | $31.1M | $27.5M | $10.1M | $3.5M | $497K | 2.13% | 4.65% | 0.09% | 2,633 |
| Q2 2025 | $31.1M | $27.6M | $10.0M | $3.3M | $329K | 2.12% | 4.59% | 0.04% | 2,651 |
| Q1 2025 | $31.6M | $28.4M | $10.0M | $3.2M | $149K | 1.88% | 4.42% | 0.00% | 2,176 |
| Q4 2024 | $29.9M | $26.8M | $10.0M | $3.0M | $562K | 1.88% | 4.50% | 0.08% | 2,716 |
| Q3 2024 | $29.8M | $26.8M | $10.1M | $2.9M | $426K | 1.91% | 4.46% | 0.00% | 2,744 |
| Q2 2024 | $30.2M | $27.4M | $10.4M | $2.7M | $265K | 1.75% | 4.33% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,652 |
Loan mix (Q1 2026): real estate $3.7M · commercial $0 · consumer $6.0M · securities $18.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 81.5% | 20th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Berks, PA, ranked 24th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berks, PA | 1 | $27.6M* | 0.11% | 24th |
Pennsylvania: 312th with 0.00% · Reading metro: 24th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1