No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.03B | $1.71B | $1.37B | $347.4M | $2.3M | 0.45% | 1.57% | 0.57% | 31,580 |
| Q4 2025 | $2.01B | $1.69B | $1.35B | $302.3M | $3.5M | 0.18% | 0.86% | 0.60% | 31,554 |
| Q3 2025 | $1.45B | $1.20B | $893.7M | $256.9M | $846K | 0.08% | 0.85% | 0.61% | 14,773 |
| Q2 2025 | $1.44B | $1.20B | $880.7M | $256.8M | $760K | 0.11% | 0.82% | 0.47% | 14,786 |
| Q1 2025 | $1.45B | $1.21B | $867.5M | $256.0M | $-133K | -0.04% | 0.73% | 0.57% | 14,809 |
| Q4 2024 | $1.44B | $1.20B | $845.3M | $256.1M | $-191K | -0.01% | 0.67% | 1.02% | 14,821 |
| Q3 2024 | $1.42B | $1.18B | $822.3M | $256.3M | $-62K | -0.01% | 0.68% | 0.81% | 14,928 |
| Q2 2024 | $1.40B | $1.16B | $805.9M | $256.4M | $127K | 0.02% | 0.73% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.71% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 6.3% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.57% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.79% |
| 14,903 |
Loan mix (Q1 2026): real estate $788.9M · commercial $536.2M · consumer $34.5M · securities $401.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 73.0% | 32th |
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.