No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $422.8M | $382.3M | $333.5M | $33.4M | $690K | 0.65% | 3.25% | 0.56% | 28,253 |
| Q4 2025 | $415.3M | $375.1M | $336.1M | $32.7M | $435K | 0.10% | 2.92% | 0.93% | 28,425 |
| Q3 2025 | $414.1M | $372.0M | $331.0M | $32.9M | $641K | 0.21% | 2.87% | 1.04% | 28,625 |
| Q2 2025 | $407.7M | $366.7M | $339.7M | $32.8M | $519K | 0.25% | 2.85% | 0.99% | 28,720 |
| Q1 2025 | $403.9M | $360.3M | $338.9M | $32.5M | $188K | 0.19% | 2.81% | 1.08% | 28,699 |
| Q4 2024 | $396.0M | $350.5M | $347.0M | $32.3M | $74K | 0.02% | 2.61% | 1.10% | 28,708 |
| Q3 2024 | $390.0M | $347.8M | $338.4M | $32.8M | $506K | 0.17% | 2.59% | 0.84% | 28,417 |
| Q2 2024 | $392.1M | $346.7M | $341.2M | $32.5M | $287K | 0.15% | 2.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.69% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 27,986 |
Loan mix (Q1 2026): real estate $227.1M · commercial $69.8M · consumer $29.0M · securities $49.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 78.7% | 51st |
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.
14 branches in 3 counties across 8 states (+0 vs 2024). Biggest market: Clark, WA, ranked 28th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, WA | 1 | $26.2M* | 0.19% | 28th |
| King, WA | 1 | $26.2M* | 0.02% | 61st |
| Spartanburg, SC | 1 | $26.2M* | 0.37% | 27th |
New York: 210th with 0.00% · California: 349th with 0.00% · Washington: 121st with 0.02% · Massachusetts: 196th with 0.00% · North Carolina: 138th with 0.00% · South Carolina: 119th with 0.02% · Oregon: 83rd with 0.02% · Ohio: 324th with 0.00% · Spartanburg metro: 27th, 0.35% · Portland-Vancouver-Hillsboro metro: 59th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 13 · 2023 14 · 2024 14 · 2025 14