No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $55.1M | $51.0M | $17.7M | $4.0M | $-26K | -0.19% | 2.67% | 0.15% | 4,429 |
| Q4 2025 | $53.3M | $49.3M | $17.5M | $4.0M | $-325K | -0.61% | 2.50% | 0.26% | 4,481 |
| Q3 2025 | $55.0M | $51.0M | $18.6M | $4.1M | $-298K | -0.72% | 2.33% | 0.35% | 4,619 |
| Q2 2025 | $56.3M | $52.4M | $19.3M | $4.2M | $-212K | -0.75% | 2.20% | 0.22% | 5,479 |
| Q1 2025 | $61.4M | $57.7M | $20.1M | $4.5M | $-75K | -0.49% | 2.23% | 0.16% | 5,541 |
| Q4 2024 | $59.8M | $56.2M | $20.3M | $4.5M | $-362K | -0.61% | 2.16% | 0.12% | 5,541 |
| Q3 2024 | $60.7M | $57.1M | $20.9M | $4.6M | $-274K | -0.60% | 2.12% | 0.19% | 5,610 |
| Q2 2024 | $60.1M | $57.2M | $21.5M | $4.7M | $-192K | -0.64% | 2.07% | 0.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -2.6% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,686 |
Loan mix (Q1 2026): real estate $2.7M · commercial $0 · consumer $14.0M · securities $27.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.9% | 81.5% | 88th |
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.