No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $155.1M | $135.0M | $112.4M | $19.8M | $12K | 0.03% | 2.78% | 0.69% | 6,472 |
| Q4 2025 | $155.2M | $135.2M | $114.6M | $19.8M | $358K | 0.23% | 2.64% | 0.85% | 6,447 |
| Q3 2025 | $155.3M | $135.5M | $114.1M | $19.7M | $274K | 0.24% | 2.63% | 1.87% | 6,601 |
| Q2 2025 | $153.4M | $133.8M | $114.4M | $19.6M | $168K | 0.22% | 2.65% | 1.84% | 6,681 |
| Q1 2025 | $155.3M | $136.0M | $115.8M | $19.5M | $69K | 0.18% | 2.62% | 0.43% | 6,728 |
| Q4 2024 | $154.3M | $135.2M | $116.5M | $19.4M | $123K | 0.08% | 2.31% | 1.58% | 6,746 |
| Q3 2024 | $151.7M | $132.6M | $114.9M | $19.4M | $77K | 0.07% | 2.33% | 0.76% | 6,704 |
| Q2 2024 | $149.5M | $130.9M | $114.5M | $19.3M | $29K | 0.04% | 2.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.69% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 5.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 6,660 |
Loan mix (Q1 2026): real estate $94.2M · commercial $16.3M · consumer $1.4M · securities $29.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.0% | 78.7% | 97th |
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.