No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.3M | $18.8M | $10.7M | $3.2M | $70K | 1.25% | 4.68% | 0.47% | 1,674 |
| Q4 2025 | $21.8M | $18.6M | $10.8M | $3.1M | $308K | 1.41% | 4.70% | 0.59% | 1,685 |
| Q3 2025 | $21.7M | $18.5M | $10.9M | $3.1M | $235K | 1.44% | 4.64% | 0.66% | 1,696 |
| Q2 2025 | $21.4M | $18.3M | $10.8M | $3.0M | $134K | 1.25% | 4.61% | 0.73% | 1,698 |
| Q1 2025 | $21.2M | $18.1M | $10.0M | $2.9M | $68K | 1.28% | 4.62% | 0.78% | 1,708 |
| Q4 2024 | $20.5M | $17.6M | $10.0M | $2.9M | $322K | 1.57% | 4.48% | 1.07% | 1,721 |
| Q3 2024 | $21.0M | $18.1M | $10.1M | $2.8M | $271K | 1.72% | 4.25% | 1.14% | 1,754 |
| Q2 2024 | $20.2M | $17.4M | $9.7M | $2.8M | $74K | 0.73% | 4.26% | 0.44% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,795 |
Loan mix (Q1 2026): real estate $4.7M · commercial $0 · consumer $5.5M · securities $8.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 81.5% | 39th |
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.