No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $765.4M | $614.7M | $627.0M | $104.7M | $1.2M | 0.61% | 2.99% | 0.37% | 28,647 |
| Q4 2025 | $759.2M | $603.5M | $621.8M | $103.5M | $2.8M | 0.37% | 2.82% | 0.14% | 28,606 |
| Q3 2025 | $761.1M | $597.2M | $624.9M | $102.8M | $2.2M | 0.38% | 2.77% | 0.25% | 28,711 |
| Q2 2025 | $757.1M | $599.3M | $615.7M | $102.1M | $1.4M | 0.37% | 2.72% | 0.26% | 28,678 |
| Q1 2025 | $768.0M | $604.6M | $610.1M | $101.2M | $490K | 0.26% | 2.60% | 0.10% | 28,712 |
| Q4 2024 | $744.6M | $581.1M | $596.9M | $100.7M | $2.6M | 0.35% | 2.57% | 0.15% | 27,727 |
| Q3 2024 | $709.0M | $585.6M | $594.7M | $100.2M | $2.1M | 0.40% | 2.70% | 0.31% | 27,983 |
| Q2 2024 | $720.0M | $586.4M | $591.4M | $99.5M | $1.4M | 0.39% | 2.66% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.62% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.21% |
| 28,097 |
Loan mix (Q1 2026): real estate $440.2M · commercial $172.9M · consumer $13.4M · securities $75.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 78.3% | 62th |
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.