Financial Highlights
Strong performance and sustainable growth
₹577.21Cr
Total Deposits
↑ -1.74% YoY₹398.25Cr
Total Advances
↑ 8.50% YoY₹754.41Cr
Total Assets
↑ -0.46% YoY₹8.21Cr
Net Profit
↑ 43.55% YoYKey Financial Ratios
Capital Adequacy Ratio
28.19%
Well above RBI requirement of 9%
NPA Percentage
0.72%
Excellent asset quality
Excellent Asset QualityReturn on Assets
1.18%
Efficient asset utilization
Return on Equity
143.89%
Strong returns for members
Credit-Deposit Ratio
69.00%
Balanced lending approach
Cost to Income Ratio
69.47%
Efficient operations
5-Year Performance Comparison
| Particulars (₹ in Crores) | 2025-2026 | 2024-2025 | 2023-2024 | 2022-2023 | 2021-2022 |
|---|---|---|---|---|---|
| Total Deposits | 577.21 | 587.46 | 532.45 | 481.34 | 424.17 |
| Total Advances | 398.25 | 367.07 | 318.21 | 261.95 | 218.52 |
| Total Assets | 754.41 | 757.93 | 694.33 | 634.36 | 570.51 |
| Total Income | 64.64 | 61.17 | 55.98 | 46.72 | 45.97 |
| Net Profit | 8.21 | 5.72 | 6.42 | 5.62 | 6.58 |
| Owned Funds | 123.74 | 120.39 | 114.91 | 108.97 | 104.19 |
| NPA (%) | 0.72 | 0.74 | 1.09 | 0.58 | 0.79 |
| Capital Adequacy (%) | 28.19 | 27.70 | 28.82 | 32.69 | 36.24 |
Balance Sheet Summary
Assets (₹ in Crores)
| Cash & Bank Balance | 132.93 |
| Investments | 164.51 |
| Loans & Advances | 398.25 |
| Fixed Assets | 33.71 |
| Other Assets | 25.01 |
| Total Assets | 754.41 |
Liabilities (₹ in Crores)
| Share Capital | 5.70 |
| Reserves & Surplus | 146.83 |
| Deposits | 577.21 |
| Borrowings | 0.00 |
| Other Liabilities | 24.67 |
| Total Liabilities | 754.41 |
Profit & Loss Summary
Income (₹ in Crores)
| Interest Income | 56.52 |
| Other Income | 8.12 |
| Total Income | 64.64 |
Expenditure (₹ in Crores)
| Interest Expenditure | 27.19 |
| Operating Expenses | 11.08 |
| Employee Costs | 15.58 |
| Other Expenses | 2.58 |
| Total Expenditure | 56.43 |
Net Profit for the Year
₹ 8.21 Crores
Growth Indicators
Deposit Growth
-1.74% CAGR
5-year compound annual growth rate
Advance Growth
27.32% CAGR
5-year compound annual growth rate
Profit Growth
26.09% CAGR
5-year compound annual growth rate
Deposit Composition
Savings Deposits
30.29%
Fixed Deposits
53.71%
Current Deposits
15.63%
Recurring Deposits
0.36%
Loan Portfolio Mix
Home Loans
13.00%
Mortgage Loans
27.00%
Vehicle Loans
3.00%
Commercial Loans
20.00%
Our Financial Strength
0.72%
NPA Rate
28.19%
Capital Adequacy
67+
Years of Trust
28
CBS Branches
Financial Reports & Downloads
No financial reports available for download at this time.
Note: Financial figures are based on audited financial statements. For detailed information, please refer to our annual reports or contact us.