| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +1.3% | -6.5 pts |
| Share growth (YoY) | -7.3% | +0.9% | -8.3 pts |
| Loan growth (YoY) | -3.0% | -2.6% | -0.4 pts |
| ROA | -0.66% | 0.65% | -1.3 pts |
| ROE | -1.3% | 4.4% | -5.7 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.7M | $843K | $866K | $862K | $-6K | -0.66% | 6.08% | 9.47% | 276 |
| Q1 2026 | $1.7M | $831K | $850K | $870K | $2K | 0.46% | 7.61% | 6.82% | 280 |
| Q4 2025 | $1.7M | $845K | $878K | $868K | $-27K | -1.55% | 6.11% | 5.84% | 282 |
| Q3 2025 | $1.7M | $856K | $867K | $882K | $-12K | -0.91% | 6.31% | 6.27% | 282 |
| Q2 2025 | $1.8M | $910K | $893K | $891K | $-4K | -0.41% | 6.64% | 4.76% | 288 |
| Q1 2025 | $1.8M | $907K | $892K | $884K | $-10K | -2.28% | 5.12% | 4.38% | 291 |
| Q4 2024 | $1.9M | $962K | $933K | $895K | $15K | 0.82% | 7.51% | 5.73% | 288 |
| Q3 2024 | $1.9M | $1.0M | $985K | $900K | $20K | 1.42% | 7.95% | 5.07% | 284 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.66% | 0.65% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -1.3% | 4.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.9M | $971K | $990K | $891K | $11K | 1.18% | 8.07% | 6.50% | 298 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $866K · securities $680K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.7% | 80.6% | 92nd |
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 52nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Union, NJ | 1 | $843K* | 0.00% | 52nd |
New Jersey: 232nd with 0.00% · New York-Newark-Jersey City metro: 320th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1