No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $995.2M | $881.3M | $813.8M | $93.0M | $1.1M | 0.43% | 3.92% | 0.73% | 62,758 |
| Q4 2025 | $984.1M | $875.4M | $808.2M | $91.9M | $5.5M | 0.56% | 3.92% | 0.96% | 63,033 |
| Q3 2025 | $992.2M | $877.8M | $817.1M | $90.8M | $3.7M | 0.49% | 3.88% | 0.48% | 63,200 |
| Q2 2025 | $1.02B | $905.9M | $788.8M | $89.4M | $2.2M | 0.44% | 3.72% | 0.48% | 63,482 |
| Q1 2025 | $1.02B | $910.8M | $770.6M | $88.4M | $1.3M | 0.51% | 3.65% | 0.56% | 66,693 |
| Q4 2024 | $983.9M | $879.2M | $786.6M | $87.2M | $-2.6M | -0.26% | 3.84% | 0.74% | 66,932 |
| Q3 2024 | $984.1M | $878.9M | $792.4M | $86.4M | $-4.0M | -0.55% | 3.83% | 0.77% | 67,309 |
| Q2 2024 | $974.3M | $865.5M | $768.8M | $90.9M | $441K | 0.09% | 3.87% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.62% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 5.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 67,326 |
Loan mix (Q1 2026): real estate $293.4M · commercial $67.1M · consumer $438.2M · securities $23.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 78.3% | 46th |
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.
7 branches in 3 counties across 1 state (+0 vs 2024). Biggest market: Broward, FL, ranked 20th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Broward, FL | 4 | $517.6M* | 0.71% | 20th |
| Miami-Dade, FL | 2 | $258.8M* | 0.12% | 49th |
| Palm Beach, FL | 1 | $129.4M* | 0.20% | 42nd |
Florida: 90th with 0.09% · Miami-Fort Lauderdale-West Palm Beach metro: 44th, 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 8 · 2024 7 · 2025 7