No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $490.1M | $421.1M | $208.2M | $62.7M | $383K | 0.31% | 2.75% | 1.41% | 45,113 |
| Q4 2025 | $487.7M | $419.6M | $197.3M | $62.3M | $1.8M | 0.37% | 2.76% | 1.85% | 45,052 |
| Q3 2025 | $495.4M | $428.3M | $204.9M | $62.1M | $998K | 0.27% | 2.69% | 1.76% | 45,049 |
| Q2 2025 | $501.1M | $435.0M | $200.9M | $61.5M | $396K | 0.16% | 2.61% | 1.45% | 44,985 |
| Q1 2025 | $520.2M | $454.7M | $205.8M | $61.3M | $155K | 0.12% | 2.43% | 1.44% | 44,928 |
| Q4 2024 | $504.5M | $439.9M | $215.7M | $61.1M | $2.1M | 0.42% | 2.60% | 1.78% | 44,873 |
| Q3 2024 | $492.8M | $427.9M | $224.1M | $61.3M | $1.6M | 0.44% | 2.69% | 1.44% | 44,835 |
| Q2 2024 | $489.0M | $423.4M | $232.1M | $60.4M | $695K | 0.28% | 2.73% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.69% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.75% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.38% |
| 44,847 |
Loan mix (Q1 2026): real estate $85.9M · commercial $0 · consumer $106.0M · securities $185.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 78.7% | 59th |
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.