| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +1.6% | +0.9% | +0.7 pts |
| Loan growth (YoY) | +7.3% | -2.6% | +9.9 pts |
| ROA | 0.23% | 0.65% | -0.4 pts |
| ROE | 3.0% | 4.4% | -1.4 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $49.7M | $44.7M | $45.5M | $3.8M | $57K | 0.23% | 5.83% | 1.19% | 7,293 |
| Q1 2026 | $50.5M | $46.0M | $43.4M | $3.8M | $-24K | -0.19% | 5.72% | 1.44% | 7,274 |
| Q4 2025 | $49.9M | $45.5M | $42.8M | $3.8M | $168K | 0.34% | 5.95% | 1.85% | 7,281 |
| Q3 2025 | $48.8M | $44.3M | $42.5M | $3.9M | $108K | 0.29% | 6.07% | 1.71% | 7,306 |
| Q2 2025 | $48.6M | $44.0M | $42.4M | $3.9M | $157K | 0.65% | 6.09% | 1.69% | 7,364 |
| Q1 2025 | $49.5M | $45.1M | $40.6M | $3.8M | $29K | 0.24% | 5.92% | 1.82% | 7,361 |
| Q4 2024 | $46.8M | $42.7M | $40.4M | $3.8M | $213K | 0.46% | 6.12% | 2.50% | 7,389 |
| Q3 2024 | $46.4M | $42.1M | $39.4M | $4.0M | $260K | 0.75% | 6.08% | 2.82% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.4% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.83% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,277 |
| Q2 2024 | $47.7M | $42.8M | $38.0M | $3.9M | $197K | 0.83% | 5.79% | 2.66% | 7,469 |
Loan mix (Q2 2026): real estate $6.0M · commercial $0 · consumer $38.6M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 80.6% | 44th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Cumberland, NJ, ranked 14th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cumberland, NJ | 2 | $44.7M* | 0.80% | 14th |
New Jersey: 146th with 0.01% · Vineland metro: 14th, 0.80% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2