No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $201K | $171K | $120K | $29K | $-286 | -0.57% | 3.82% | 6.93% | 170 |
| Q4 2025 | $192K | $162K | $118K | $29K | $-595 | -0.31% | 4.78% | 4.32% | 169 |
| Q3 2025 | $192K | $162K | $87K | $30K | $214 | 0.15% | 4.95% | 1.82% | 172 |
| Q2 2025 | $203K | $172K | $90K | $30K | $207 | 0.20% | 5.20% | 0.00% | 172 |
| Q1 2025 | $205K | $173K | $99K | $31K | $1K | 2.29% | 5.70% | 0.00% | 173 |
| Q4 2024 | $199K | $168K | $108K | $30K | $273 | 0.14% | 4.36% | 0.00% | 173 |
| Q3 2024 | $201K | $171K | $89K | $30K | $198 | 0.13% | 4.16% | 0.00% | 170 |
| Q2 2024 | $211K | $181K | $89K | $30K | $631 | 0.60% | 3.72% | 0.00% | 170 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $110K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.57% | — | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -4.0% | — | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | — |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.9% | — | 93rd |
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: Niagara, NY, ranked 22nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Niagara, NY | 1 | $172K* | 0.00% | 22nd |
New York: 463rd with 0.00% · Buffalo-Cheektowaga metro: 84th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1