| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | -0.2% | +0.9% | -1.1 pts |
| Loan growth (YoY) | -8.2% | -2.6% | -5.6 pts |
| ROA | 0.36% | 0.65% | -0.3 pts |
| ROE | 5.3% | 4.4% | +0.9 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.8M | $18.4M | $12.5M | $1.3M | $36K | 0.36% | 5.22% | 4.44% | 2,593 |
| Q1 2026 | $19.4M | $18.0M | $12.5M | $1.3M | $14K | 0.28% | 5.11% | 5.49% | 2,630 |
| Q4 2025 | $19.1M | $17.7M | $12.9M | $1.3M | $76K | 0.40% | 5.35% | 5.51% | 2,656 |
| Q3 2025 | $19.2M | $17.6M | $13.2M | $1.3M | $29K | 0.20% | 5.26% | 0.70% | 2,668 |
| Q2 2025 | $19.9M | $18.4M | $13.6M | $1.3M | $2K | 0.02% | 4.99% | 2.86% | 2,673 |
| Q1 2025 | $19.8M | $18.3M | $13.5M | $1.3M | $12K | 0.25% | 5.12% | 2.88% | 2,554 |
| Q4 2024 | $19.8M | $18.1M | $13.6M | $1.3M | $70 | 0.00% | 5.16% | 0.67% | 2,598 |
| Q3 2024 | $19.4M | $17.5M | $13.9M | $1.2M | $-26K | -0.18% | 5.31% | 0.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.65% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,634 |
| Q2 2024 | $19.8M | $18.2M | $14.5M | $1.2M | $-45K | -0.46% | 5.26% | 0.36% | 2,726 |
Loan mix (Q2 2026): real estate $8.7M · commercial $0 · consumer $3.8M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.4% | 80.6% | 76th |
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 2 counties across 1 state (+1 vs 2025). Biggest market: Mercer, NJ, ranked 37th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mercer, NJ | 1 | $9.2M* | 0.04% | 37th |
| Middlesex, NJ | 1 | $9.2M* | 0.02% | 54th |
New Jersey: 168th with 0.00% · New York-Newark-Jersey City metro: 256th, 0.00% · Trenton-Princeton metro: 37th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2