| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | +1.4% | +0.9% | +0.5 pts |
| Loan growth (YoY) | -6.2% | -2.6% | -3.5 pts |
| ROA | 0.01% | 0.65% | -0.6 pts |
| ROE | 0.1% | 4.4% | -4.3 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $64.2M | $58.3M | $30.8M | $6.0M | $3K | 0.01% | 3.64% | 0.19% | 3,425 |
| Q1 2026 | $64.6M | $58.6M | $31.5M | $6.0M | $-10K | -0.06% | 3.52% | 0.84% | 3,450 |
| Q4 2025 | $64.1M | $58.1M | $32.4M | $6.0M | $40K | 0.06% | 3.37% | 1.63% | 3,483 |
| Q3 2025 | $63.7M | $57.9M | $32.8M | $5.9M | $-22K | -0.05% | 3.33% | 1.34% | 3,494 |
| Q2 2025 | $63.2M | $57.5M | $32.8M | $6.0M | $-14K | -0.04% | 3.29% | 0.92% | 3,530 |
| Q1 2025 | $63.9M | $58.3M | $32.5M | $6.0M | $-11K | -0.07% | 3.15% | 1.09% | 3,547 |
| Q4 2024 | $62.8M | $57.4M | $32.5M | $6.0M | $-79K | -0.13% | 3.15% | 0.20% | 3,556 |
| Q3 2024 | $62.9M | $57.5M | $32.3M | $6.0M | $-65K | -0.14% | 3.12% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,566 |
| Q2 2024 | $63.4M | $58.6M | $32.1M | $6.0M | $-55K | -0.17% | 3.10% | 1.69% | 3,586 |
Loan mix (Q2 2026): real estate $22.1M · commercial $0 · consumer $8.6M · securities $23.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.8% | 80.6% | 80th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Gloucester, NJ, ranked 22nd with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gloucester, NJ | 2 | $58.3M* | 0.59% | 22nd |
New Jersey: 138th with 0.01% · Philadelphia-Camden-Wilmington metro: 107th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2