| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -17.9% | +1.3% | -19.2 pts |
| Share growth (YoY) | -19.5% | +0.9% | -20.4 pts |
| Loan growth (YoY) | -21.6% | -2.6% | -19.0 pts |
| ROA | -3.93% | 0.65% | -4.6 pts |
| ROE | -21.8% | 4.4% | -26.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.9M | $3.2M | $906K | $704K | $-77K | -3.93% | 3.23% | 0.00% | 459 |
| Q1 2026 | $4.2M | $3.5M | $924K | $706K | $-74K | -7.06% | 3.01% | 0.00% | 477 |
| Q4 2025 | $4.4M | $3.6M | $1.1M | $780K | $-6K | -0.14% | 3.08% | 7.33% | 495 |
| Q3 2025 | $4.5M | $3.7M | $1.1M | $780K | $-6K | -0.19% | 3.01% | 7.44% | 499 |
| Q2 2025 | $4.7M | $4.0M | $1.2M | $783K | $-4K | -0.15% | 2.89% | 7.10% | 510 |
| Q1 2025 | $4.9M | $4.1M | $1.1M | $783K | $-4K | -0.29% | 2.74% | 5.05% | 507 |
| Q4 2024 | $5.1M | $4.3M | $1.2M | $787K | $10K | 0.19% | 2.80% | 6.38% | 489 |
| Q3 2024 | $5.3M | $4.5M | $1.3M | $783K | $6K | 0.16% | 2.61% | 1.72% | 544 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.93% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -21.8% | 4.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.4M | $4.6M | $1.3M | $782K | $5K | 0.17% | 2.60% | 1.85% | 514 |
Loan mix (Q2 2026): real estate $137K · commercial $0 · consumer $769K · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.0% | 80.6% | 91st |
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: Morris, NJ, ranked 37th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Morris, NJ | 1 | $3.2M* | 0.01% | 37th |
New Jersey: 220th with 0.00% · New York-Newark-Jersey City metro: 297th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1