| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +1.3% | -5.5 pts |
| Share growth (YoY) | -4.3% | +0.9% | -5.3 pts |
| Loan growth (YoY) | +18.6% | -2.6% | +21.3 pts |
| ROA | 0.30% | 0.65% | -0.3 pts |
| ROE | 3.3% | 4.4% | -1.1 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.2M | $15.7M | $9.3M | $1.6M | $26K | 0.30% | 4.17% | 0.27% | 1,307 |
| Q1 2026 | $18.9M | $17.4M | $9.2M | $1.5M | $3K | 0.07% | 3.81% | 0.23% | 1,276 |
| Q4 2025 | $18.0M | $16.6M | $8.9M | $1.5M | $4K | 0.02% | 3.73% | 0.38% | 1,261 |
| Q3 2025 | $17.7M | $16.2M | $8.3M | $1.5M | $-9K | -0.07% | 3.67% | 0.25% | 2,308 |
| Q2 2025 | $18.0M | $16.5M | $7.9M | $1.6M | $9K | 0.10% | 3.62% | 0.32% | 1,227 |
| Q1 2025 | $18.9M | $17.6M | $7.7M | $1.6M | $7K | 0.14% | 3.39% | 0.27% | 1,211 |
| Q4 2024 | $19.5M | $18.1M | $7.8M | $1.5M | $-230K | -1.18% | 2.70% | 0.35% | 1,216 |
| Q3 2024 | $20.5M | $19.2M | $7.9M | $1.5M | $-231K | -1.50% | 2.40% | 0.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,204 |
| Q2 2024 | $20.3M | $19.0M | $8.1M | $1.6M | $-135K | -1.32% | 2.29% | 0.16% | 1,208 |
Loan mix (Q2 2026): real estate $3.9M · commercial $859K · consumer $4.0M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 80.6% | 76th |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Gloucester, NJ, ranked 24th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gloucester, NJ | 1 | $7.9M* | 0.08% | 24th |
| Kent, MI | 1 | $7.9M* | 0.02% | 65th |
Michigan: 289th with 0.00% · New Jersey: 196th with 0.00% · Philadelphia-Camden-Wilmington metro: 146th, 0.00% · Grand Rapids-Wyoming-Kentwood metro: 78th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2