No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $674.1M | $628.0M | $482.6M | $53.8M | $681K | 0.40% | 3.72% | 0.60% | 39,879 |
| Q4 2025 | $659.3M | $613.5M | $488.9M | $53.1M | $2.1M | 0.32% | 3.74% | 0.74% | 40,037 |
| Q3 2025 | $641.6M | $597.1M | $490.9M | $54.1M | $1.5M | 0.31% | 3.83% | 0.77% | 40,206 |
| Q2 2025 | $636.1M | $592.8M | $483.0M | $53.3M | $688K | 0.22% | 3.80% | 0.71% | 40,211 |
| Q1 2025 | $642.4M | $601.1M | $468.4M | $52.8M | $166K | 0.10% | 3.67% | 0.66% | 40,142 |
| Q4 2024 | $618.3M | $578.0M | $464.6M | $52.6M | $1.5M | 0.24% | 3.86% | 0.92% | 40,251 |
| Q3 2024 | $607.3M | $566.2M | $463.2M | $54.0M | $1.1M | 0.25% | 3.90% | 0.80% | 40,429 |
| Q2 2024 | $619.1M | $582.1M | $452.6M | $53.7M | $924K | 0.30% | 3.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.62% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.88% |
| 40,486 |
Loan mix (Q1 2026): real estate $183.3M · commercial $63.5M · consumer $214.7M · securities $111.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 78.3% | 73th |
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.