| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +5.9% | +0.9% | +5.0 pts |
| Loan growth (YoY) | +4.8% | -2.6% | +7.4 pts |
| ROA | 1.12% | 0.65% | +0.5 pts |
| ROE | 17.0% | 4.4% | +12.6 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.4M | $8.7M | $422K | $617K | $52K | 1.12% | 1.98% | 1.05% | 1,011 |
| Q1 2026 | $7.6M | $7.0M | $237K | $585K | $32K | 1.69% | 3.12% | 0.00% | 1,012 |
| Q4 2025 | $5.7M | $5.1M | $366K | $560K | $76K | 1.32% | 2.45% | 0.39% | 1,014 |
| Q3 2025 | $3.9M | $3.3M | $380K | $567K | $66K | 2.27% | 3.86% | 0.62% | 1,055 |
| Q2 2025 | $8.8M | $8.3M | $402K | $556K | $57K | 1.28% | 2.03% | 0.44% | 752 |
| Q1 2025 | $7.1M | $6.6M | $256K | $534K | $39K | 2.18% | 3.13% | 3.73% | 1,067 |
| Q4 2024 | $5.5M | $5.0M | $390K | $495K | $41K | 0.74% | 2.95% | 0.00% | 1,071 |
| Q3 2024 | $3.8M | $3.2M | $389K | $534K | $86K | 3.05% | 5.22% | 0.00% | 740 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 4.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.4M | $7.9M | $414K | $512K | $64K | 1.52% | 2.73% | 0.00% | 735 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $422K · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.3% | 80.6% | 2nd |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Hudson, NJ, ranked 38th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hudson, NJ | 1 | $8.7M* | 0.02% | 38th |
New Jersey: 190th with 0.00% · New York-Newark-Jersey City metro: 260th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1