| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +15.8% | +0.9% | +14.9 pts |
| Loan growth (YoY) | -0.6% | -2.6% | +2.0 pts |
| ROA | 0.97% | 0.65% | +0.3 pts |
| ROE | 3.5% | 4.4% | -0.9 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.2M | $7.4M | $5.8M | $3.1M | $54K | 0.97% | 3.73% | 2.99% | 1,706 |
| Q1 2026 | $11.3M | $7.4M | $5.7M | $3.1M | $23K | 0.80% | 3.54% | 3.71% | 1,714 |
| Q4 2025 | $10.6M | $6.6M | $5.6M | $3.0M | $116K | 1.10% | 4.01% | 4.48% | 1,697 |
| Q3 2025 | $11.0M | $6.9M | $6.1M | $3.0M | $113K | 1.37% | 3.85% | 3.47% | 1,710 |
| Q2 2025 | $10.5M | $6.4M | $5.9M | $3.0M | $65K | 1.25% | 3.88% | 2.58% | 1,643 |
| Q1 2025 | $11.3M | $7.3M | $6.2M | $2.9M | $20K | 0.73% | 3.85% | 1.82% | 1,650 |
| Q4 2024 | $10.7M | $6.7M | $6.2M | $2.9M | $78K | 0.73% | 3.37% | 3.02% | 1,670 |
| Q3 2024 | $9.5M | $5.6M | $6.3M | $2.9M | $70K | 0.98% | 3.94% | 2.12% | 1,711 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.65% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.4% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.8M | $6.9M | $6.1M | $2.9M | $57K | 1.05% | 3.36% | 1.56% | 1,717 |
Loan mix (Q2 2026): real estate $0 · commercial $2.2M · consumer $3.2M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 80.6% | 46th |
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.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Bergen, NJ, ranked 52nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bergen, NJ | 2 | $4.9M* | 0.01% | 52nd |
| Ocean, NJ | 1 | $2.5M* | 0.01% | 28th |
New Jersey: 199th with 0.00% · New York-Newark-Jersey City metro: 267th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3