| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +1.3% | -5.4 pts |
| Share growth (YoY) | -3.2% | +0.9% | -4.2 pts |
| Loan growth (YoY) | -18.0% | -2.6% | -15.3 pts |
| ROA | 0.12% | 0.65% | -0.5 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.1M | $6.2M | $2.0M | $819K | $4K | 0.12% | 4.45% | 1.16% | 1,122 |
| Q1 2026 | $7.2M | $6.4M | $2.1M | $816K | $1K | 0.07% | 4.16% | 1.27% | 1,127 |
| Q4 2025 | $7.1M | $6.2M | $2.2M | $814K | $36K | 0.51% | 4.43% | 1.32% | 1,135 |
| Q3 2025 | $7.3M | $6.2M | $2.4M | $802K | $24K | 0.43% | 4.30% | 1.10% | 1,133 |
| Q2 2025 | $7.4M | $6.4M | $2.4M | $796K | $18K | 0.49% | 4.28% | 0.99% | 1,157 |
| Q1 2025 | $7.4M | $6.5M | $2.6M | $787K | $9K | 0.51% | 4.15% | 1.03% | 1,157 |
| Q4 2024 | $7.4M | $6.6M | $2.7M | $778K | $-65K | -0.87% | 3.94% | 1.08% | 1,161 |
| Q3 2024 | $7.4M | $6.4M | $2.8M | $766K | $-80K | -1.44% | 3.88% | 1.12% | 1,169 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.4M | $6.4M | $2.8M | $748K | $-95K | -2.58% | 3.77% | 1.17% | 1,179 |
Loan mix (Q2 2026): real estate $138K · commercial $0 · consumer $1.8M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.2% | 80.6% | 88th |
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: Union, NJ, ranked 47th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Union, NJ | 1 | $6.2M* | 0.02% | 47th |
New Jersey: 204th with 0.00% · New York-Newark-Jersey City metro: 276th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1