| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +1.3% | +10.4 pts |
| Share growth (YoY) | +11.9% | +0.9% | +10.9 pts |
| Loan growth (YoY) | -7.7% | -2.6% | -5.1 pts |
| ROA | 1.56% | 0.65% | +0.9 pts |
| ROE | 8.7% | 4.4% | +4.3 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.7M | $13.7M | $5.8M | $3.0M | $131K | 1.56% | 4.31% | 1.02% | 1,490 |
| 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% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.65% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 4.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,576 |
| Q2 2024 | $15.4M | $12.6M | $6.4M | $2.7M | $-42K | -0.54% | 4.03% | 3.18% | 1,567 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.8M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 80.6% | 10th |
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: Essex, NJ, ranked 44th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, NJ | 1 | $13.7M* | 0.05% | 44th |
New Jersey: 177th with 0.00% · New York-Newark-Jersey City metro: 244th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1