| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +6.5% | +0.9% | +5.6 pts |
| Loan growth (YoY) | -8.5% | -2.6% | -5.9 pts |
| ROA | 0.29% | 0.65% | -0.4 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.3M | $6.4M | $1.7M | $780K | $10K | 0.29% | 3.93% | 4.54% | 531 |
| Q1 2026 | $7.3M | $6.5M | $1.7M | $778K | $7K | 0.41% | 3.80% | 6.22% | 533 |
| Q4 2025 | $7.3M | $6.5M | $1.7M | $770K | $28K | 0.38% | 3.78% | 4.96% | 541 |
| Q3 2025 | $7.3M | $6.5M | $1.8M | $769K | $23K | 0.42% | 3.77% | 2.29% | 557 |
| Q2 2025 | $6.9M | $6.0M | $1.9M | $755K | $13K | 0.37% | 3.82% | 1.88% | 557 |
| Q1 2025 | $6.9M | $6.1M | $1.8M | $744K | $2K | 0.13% | 3.91% | 2.11% | 551 |
| Q4 2024 | $6.8M | $6.0M | $1.8M | $742K | $17K | 0.25% | 3.62% | 1.25% | 550 |
| Q3 2024 | $6.5M | $5.7M | $1.8M | $736K | $11K | 0.23% | 4.17% | 0.19% | 556 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $6.4M |
| $5.6M |
| $1.9M |
| $732K |
| $7K |
| 0.22% |
| 3.77% |
| 0.61% |
| 576 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 80.6% | 59th |
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: Burlington, NJ, ranked 27th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Burlington, NJ | 1 | $6.4M* | 0.04% | 27th |
New Jersey: 202nd with 0.00% · Philadelphia-Camden-Wilmington metro: 148th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1