No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $59.6M | $54.2M | $29.0M | $5.1M | $74K | 0.49% | 3.94% | 1.10% | 7,039 |
| Q4 2025 | $59.6M | $54.3M | $29.1M | $5.1M | $335K | 0.56% | 4.03% | 1.14% | 7,071 |
| Q3 2025 | $60.3M | $55.0M | $30.5M | $5.0M | $251K | 0.55% | 3.98% | 0.73% | 7,131 |
| Q2 2025 | $59.0M | $53.9M | $32.0M | $4.9M | $132K | 0.45% | 4.02% | 0.94% | 7,192 |
| Q1 2025 | $59.6M | $54.6M | $33.1M | $4.8M | $55K | 0.37% | 3.92% | 0.89% | 7,244 |
| Q4 2024 | $58.5M | $53.5M | $34.9M | $4.8M | $119K | 0.20% | 3.66% | 0.67% | 7,355 |
| Q3 2024 | $59.1M | $54.1M | $36.5M | $4.8M | $41K | 0.09% | 3.54% | 0.73% | 7,455 |
| Q2 2024 | $60.5M | $55.7M | $35.4M | $4.7M | $3K | 0.01% | 3.39% | 1.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,510 |
Loan mix (Q1 2026): real estate $4.3M · commercial $0 · consumer $23.4M · securities $20.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.5% | 81.5% | 60th |
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.