No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $99.0M | $77.8M | $58.9M | $21.4M | $202K | 0.82% | 4.62% | 0.35% | 6,229 |
| Q4 2025 | $97.2M | $76.1M | $57.7M | $21.2M | $1.3M | 1.34% | 4.83% | 0.36% | 6,230 |
| Q3 2025 | $94.7M | $74.0M | $60.5M | $21.0M | $990K | 1.39% | 4.95% | 0.30% | 6,226 |
| Q2 2025 | $96.0M | $75.6M | $57.7M | $20.7M | $692K | 1.44% | 4.80% | 0.02% | 6,226 |
| Q1 2025 | $93.3M | $73.6M | $56.0M | $20.3M | $396K | 1.70% | 4.90% | 0.07% | 6,202 |
| Q4 2024 | $89.8M | $71.5M | $55.3M | $20.0M | $1.2M | 1.32% | 4.96% | 0.23% | 6,202 |
| Q3 2024 | $90.8M | $72.0M | $54.5M | $19.7M | $872K | 1.28% | 4.83% | 0.07% | 6,202 |
| Q2 2024 | $89.8M | $72.1M | $54.4M | $19.4M | $630K | 1.40% | 4.77% | 0.09% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,180 |
Loan mix (Q1 2026): real estate $32.1M · commercial $488K · consumer $25.2M · securities $24.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 81.5% | 51th |
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.