| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -2.5% | +0.7% | -3.2 pts |
| Loan growth (YoY) | +0.9% | -2.4% | +3.3 pts |
| ROA | 0.64% | 0.60% | +0.0 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $94.4M | $83.4M | $43.6M | $9.7M | $152K | 0.64% | 3.57% | 0.73% | 5,939 |
| Q4 2025 | $92.6M | $81.6M | $45.0M | $9.6M | $638K | 0.69% | 3.64% | 0.68% | 6,021 |
| Q3 2025 | $90.7M | $79.9M | $44.5M | $9.3M | $292K | 0.43% | 3.72% | 1.14% | 6,144 |
| Q2 2025 | $96.2M | $85.6M | $43.9M | $9.2M | $221K | 0.46% | 3.52% | 0.77% | 6,189 |
| Q1 2025 | $95.7M | $85.6M | $43.2M | $9.1M | $55K | 0.23% | 3.45% | 0.51% | 6,227 |
| Q4 2024 | $93.3M | $83.1M | $43.1M | $9.1M | $514K | 0.55% | 3.66% | 0.63% | 6,293 |
| Q3 2024 | $91.2M | $81.3M | $43.9M | $8.9M | $339K | 0.50% | 3.74% | 0.75% | 6,369 |
| Q2 2024 | $96.9M | $86.9M | $42.4M | $8.8M | $231K | 0.48% | 3.55% | 0.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.60% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,447 |
Loan mix (Q1 2026): real estate $27.3M · commercial $0 · consumer $16.3M · securities $32.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 81.5% | 58th |
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 2024). Biggest market: Middlesex, NJ, ranked 32nd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, NJ | 1 | $85.6M* | 0.17% | 32nd |
New Jersey: 121st with 0.02% · New York-Newark-Jersey City metro: 174th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1