No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $74.9M | $63.1M | $23.2M | $11.6M | $167K | 0.89% | 3.16% | 2.11% | 5,048 |
| Q4 2025 | $75.3M | $63.7M | $24.2M | $11.4M | $701K | 0.93% | 3.14% | 1.84% | 5,054 |
| Q3 2025 | $75.5M | $64.1M | $24.9M | $11.2M | $524K | 0.92% | 3.13% | 1.90% | 5,353 |
| Q2 2025 | $74.6M | $63.4M | $24.2M | $11.1M | $353K | 0.94% | 3.10% | 0.58% | 5,330 |
| Q1 2025 | $74.4M | $63.3M | $23.6M | $10.9M | $178K | 0.96% | 3.03% | 0.97% | 5,354 |
| Q4 2024 | $72.7M | $61.8M | $23.7M | $10.7M | $733K | 1.01% | 3.24% | 0.91% | 5,344 |
Loan mix (Q1 2026): real estate $8.3M · commercial $206K · consumer $13.1M · securities $40.3M
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.83% | 23th |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 81.5% | 28th |
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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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.