| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -3.9% | +0.9% | -4.8 pts |
| Loan growth (YoY) | -23.6% | -2.6% | -20.9 pts |
| ROA | 1.12% | 0.65% | +0.5 pts |
| ROE | 4.3% | 4.4% | -0.1 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 | $4.1M | $3.1M | $434K | $1.1M | $23K | 1.12% | 2.08% | 0.82% | 370 |
| Q1 2026 | $4.2M | $3.2M | $449K | $1.1M | $14K | 1.36% | 2.15% | 0.00% | 380 |
| Q4 2025 | $4.2M | $3.2M | $493K | $1.0M | $12K | 0.28% | 1.83% | 0.00% | 387 |
| Q3 2025 | $4.2M | $3.2M | $534K | $1.0M | $1K | 0.04% | 1.88% | 0.00% | 396 |
| Q2 2025 | $4.2M | $3.2M | $568K | $1.0M | $18K | 0.83% | 1.80% | 3.49% | 405 |
| Q1 2025 | $4.3M | $3.2M | $548K | $1.0M | $11K | 1.01% | 1.83% | 3.73% | 401 |
| Q4 2024 | $4.4M | $3.3M | $524K | $1.0M | $-6K | -0.14% | 1.71% | 0.55% | 407 |
| Q3 2024 | $4.6M | $3.5M | $562K | $1.1M | $33K | 0.97% | 1.78% | 3.84% | 443 |
| 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 | 4.3% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.6M | $3.6M | $543K | $1.1M | $22K | 0.94% | 1.80% | 5.19% | 464 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $434K · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.3% | 80.6% | 3rd |
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 2 states (+0 vs 2025). Biggest market: New Castle, DE, ranked 36th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New Castle, DE | 1 | $1.0M* | 0.00% | 36th |
| Sussex, DE | 1 | $1.0M* | 0.00% | 23rd |
| Cape May, NJ | 1 | $1.0M* | 0.02% | 13th |
Delaware: 46th with 0.00% · New Jersey: 230th with 0.00% · Atlantic City-Hammonton metro: 22nd, 0.01% · Philadelphia-Camden-Wilmington metro: 160th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3