Division 819 Transit Employees Credit Union
Total assets
$15.9M
▲ +4.9% YoY
Shares & deposits
$13.0M
▲ +3.2% YoY
Loans
$6.1M
▼ -6.3% YoY
Members
1,502
▼ -6.5% YoY
ROA (annualized)
0.89%
peers 0.60%
ROE (annualized)
4.88%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.6 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.6 pts |
| Loan growth (YoY) | -6.3% | -2.4% | -3.9 pts |
| ROA | 0.89% | 0.60% | +0.3 pts |
| ROE | 4.9% | 4.1% | +0.8 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
Profile
- Established
- 1945
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 186 Brookside Ave, Irvington, NJ, 07111
- NCUA charter #
- 62855
- RSSD ID
- 879596
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.9M | $13.0M | $6.1M | $2.9M | $35K | 0.89% | 3.90% | 1.39% | 1,502 |
| Q4 2025 | $15.3M | $12.4M | $6.4M | $2.9M | $269K | 1.75% | 5.09% | 1.86% | 1,504 |
| Q3 2025 | $15.4M | $12.6M | $6.2M | $2.8M | $146K | 1.27% | 4.58% | 2.88% | 1,599 |
| Q2 2025 | $15.0M | $12.2M | $6.3M | $2.7M | $106K | 1.42% | 4.97% | 2.58% | 1,599 |
| Q1 2025 | $15.2M | $12.6M | $6.5M | $2.6M | $-34K | -0.90% | 3.53% | 2.33% | 1,606 |
| Q4 2024 | $14.9M | $12.3M | $6.6M | $2.6M | $-75K | -0.50% | 4.14% | 2.63% | 1,575 |
| Q3 2024 | $15.0M | $12.4M | $6.4M | $2.6M | $-99K | -0.88% | 3.90% | 2.65% | 1,576 |
| Q2 2024 | $15.4M | $12.6M | $6.4M | $2.7M | $-42K | -0.54% | 4.03% | 3.18% | 1,567 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.0M · securities $7.6M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.83% | 54th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 81.5% | 23th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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