| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +3.9% | +4.2 pts |
| Share growth (YoY) | +8.0% | +3.3% | +4.7 pts |
| Loan growth (YoY) | -4.3% | +2.9% | -7.3 pts |
| ROA | 1.61% | 0.69% | +0.9 pts |
| ROE | 12.1% | 5.9% | +6.1 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $331.8M | $282.4M | $197.7M | $44.3M | $1.3M | 1.61% | 3.55% | 0.98% | 20,017 |
| Q4 2025 | $321.8M | $273.3M | $200.2M | $43.0M | $4.8M | 1.48% | 3.86% | 1.05% | 21,897 |
| Q3 2025 | $311.5M | $264.2M | $198.5M | $41.9M | $3.6M | 1.54% | 3.99% | 0.96% | 22,876 |
| Q2 2025 | $308.9M | $262.7M | $205.0M | $40.4M | $2.1M | 1.37% | 4.01% | 1.21% | 23,636 |
| Q1 2025 | $306.9M | $261.5M | $206.6M | $39.2M | $908K | 1.18% | 3.97% | 1.34% | 23,639 |
| Q4 2024 | $298.3M | $254.2M | $212.6M | $38.3M | $4.7M | 1.57% | 4.29% | 1.61% | 24,075 |
| Q3 2024 | $291.8M | $248.8M | $215.6M | $37.3M | $3.5M | 1.61% | 4.39% | 1.67% | 24,227 |
| Q2 2024 | $293.8M | $251.5M | $220.5M | $36.1M | $2.3M | 1.58% | 4.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.69% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.92% |
| 24,193 |
Loan mix (Q1 2026): real estate $119.0M · commercial $18.8M · consumer $59.4M · securities $47.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.7% | 78.7% | 9th |
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.
5 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Monmouth, NJ, ranked 21st with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monmouth, NJ | 4 | $210.2M* | 0.68% | 21st |
| Ocean, NJ | 1 | $52.5M* | 0.22% | 20th |
New Jersey: 79th with 0.06% · New York-Newark-Jersey City metro: 133rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5