| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +1.3% | -7.5 pts |
| Share growth (YoY) | -8.8% | +0.9% | -9.8 pts |
| Loan growth (YoY) | +12.7% | -2.6% | +15.4 pts |
| ROA | 1.18% | 0.65% | +0.5 pts |
| ROE | 5.9% | 4.4% | +1.5 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $520K | $413K | $202K | $105K | $3K | 1.18% | 6.97% | 10.49% | 142 |
| Q1 2026 | $570K | $463K | $174K | $104K | $2K | 1.61% | 6.34% | 11.87% | 143 |
| Q4 2025 | $524K | $420K | $187K | $102K | $8K | 1.55% | 7.99% | 1.62% | 146 |
| Q3 2025 | $538K | $435K | $165K | $100K | $6K | 1.60% | 8.08% | 3.89% | 144 |
| Q2 2025 | $554K | $453K | $179K | $98K | $4K | 1.58% | 7.66% | 3.25% | 144 |
| Q1 2025 | $565K | $466K | $217K | $96K | $2K | 1.68% | 7.94% | 2.45% | 144 |
| Q4 2024 | $595K | $499K | $232K | $94K | $11K | 1.91% | 7.26% | 0.00% | 143 |
| Q3 2024 | $586K | $492K | $244K | $91K | $9K | 1.95% | 7.61% | 1.34% | 146 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.65% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $571K |
| $481K |
| $258K |
| $88K |
| $6K |
| 1.96% |
| 7.96% |
| 1.23% |
| 145 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $202K · securities $2K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 80.6% | 18th |
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: Burlington, NJ, ranked 28th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Burlington, NJ | 1 | $413K* | 0.00% | 28th |
New Jersey: 236th with 0.00% · Philadelphia-Camden-Wilmington metro: 166th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1