| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +1.3% | -4.2 pts |
| Share growth (YoY) | -4.2% | +0.9% | -5.1 pts |
| Loan growth (YoY) | -0.8% | -2.6% | +1.8 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 5.9% | 4.4% | +1.5 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.5M | $33.3M | $25.1M | $4.3M | $126K | 0.67% | 4.98% | 2.33% | 3,203 |
| Q1 2026 | $37.0M | $33.1M | $25.2M | $4.2M | $55K | 0.60% | 4.84% | 2.05% | 3,217 |
| Q4 2025 | $37.4M | $33.4M | $25.3M | $4.2M | $205K | 0.55% | 5.00% | 2.71% | 3,255 |
| Q3 2025 | $37.9M | $33.7M | $24.5M | $4.2M | $166K | 0.58% | 4.96% | 2.74% | 3,304 |
| Q2 2025 | $38.7M | $34.7M | $25.3M | $4.1M | $152K | 0.79% | 4.91% | 5.64% | 3,362 |
| Q1 2025 | $39.3M | $35.6M | $25.4M | $4.0M | $81K | 0.83% | 4.56% | 2.06% | 3,426 |
| Q4 2024 | $39.3M | $35.3M | $25.9M | $4.0M | $179K | 0.46% | 4.38% | 2.04% | 3,488 |
| Q3 2024 | $40.6M | $36.9M | $25.8M | $3.9M | $140K | 0.46% | 4.15% | 2.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.4% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,537 |
| Q2 2024 | $41.2M | $37.6M | $26.5M | $3.9M | $70K | 0.34% | 4.07% | 1.75% | 3,561 |
Loan mix (Q2 2026): real estate $17.9M · commercial $0 · consumer $7.1M · securities $10.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 80.6% | 49th |
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.
3 branches in 3 counties across 2 states (+1 vs 2025). Biggest market: Burlington, NJ, ranked 25th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Burlington, NJ | 1 | $11.1M* | 0.07% | 25th |
| Camden, NJ | 1 | $11.1M* | 0.07% | 25th |
| Collin, TX | 1 | $11.1M* | 0.02% | 116th |
New Jersey: 162nd with 0.00% · Texas: 790th with 0.00% · Philadelphia-Camden-Wilmington metro: 132nd, 0.00% · Dallas-Fort Worth-Arlington metro: 262nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3