| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.4% | +1.3% | -8.7 pts |
| Share growth (YoY) | -8.6% | +0.9% | -9.5 pts |
| Loan growth (YoY) | -21.1% | -2.6% | -18.4 pts |
| ROA | -0.04% | 0.65% | -0.7 pts |
| ROE | -0.4% | 4.4% | -4.8 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.9M | $24.7M | $9.3M | $3.0M | $-6K | -0.04% | 5.10% | 4.85% | 5,279 |
| Q1 2026 | $28.6M | $25.5M | $10.2M | $3.0M | $20K | 0.28% | 4.93% | 3.07% | 5,434 |
| Q4 2025 | $27.4M | $24.3M | $10.8M | $3.0M | $44K | 0.16% | 4.61% | 4.45% | 5,510 |
| Q3 2025 | $29.4M | $26.2M | $11.2M | $3.0M | $66K | 0.30% | 4.37% | 4.19% | 5,498 |
| Q2 2025 | $30.1M | $27.0M | $11.8M | $3.1M | $102K | 0.68% | 4.30% | 3.04% | 5,907 |
| Q1 2025 | $30.8M | $27.7M | $12.0M | $3.1M | $99K | 1.28% | 4.30% | 1.84% | 5,348 |
| Q4 2024 | $29.7M | $26.7M | $12.6M | $3.0M | $87K | 0.29% | 3.91% | 3.74% | 5,261 |
| Q3 2024 | $30.0M | $26.9M | $12.8M | $3.0M | $-11K | -0.05% | 3.69% | 1.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.65% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 4.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,233 |
| Q2 2024 | $29.9M | $26.8M | $13.0M | $2.9M | $11K | 0.07% | 3.67% | 0.92% | 5,318 |
Loan mix (Q2 2026): real estate $7K · commercial $0 · consumer $9.0M · securities $17.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.5% | 80.6% | 62nd |
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 3 counties across 1 state (+1 vs 2025). Biggest market: Morris, NJ, ranked 36th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Morris, NJ | 1 | $8.2M* | 0.03% | 36th |
| Union, NJ | 1 | $8.2M* | 0.03% | 45th |
| Essex, NJ | 1 | $8.2M* | 0.03% | 50th |
New Jersey: 157th with 0.01% · New York-Newark-Jersey City metro: 223rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3