| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -2.6% | +0.7% | -3.3 pts |
| Loan growth (YoY) | -25.9% | -2.4% | -23.6 pts |
| ROA | 0.20% | 0.60% | -0.4 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.3M | $8.3M | $1.8M | $998K | $5K | 0.20% | 2.41% | 0.20% | 790 |
| Q4 2025 | $9.3M | $8.3M | $2.0M | $993K | $26K | 0.28% | 2.63% | 0.00% | 801 |
| Q3 2025 | $9.2M | $8.2M | $2.1M | $988K | $21K | 0.30% | 2.64% | 0.00% | 813 |
| Q2 2025 | $9.4M | $8.4M | $2.3M | $980K | $13K | 0.28% | 2.48% | 0.12% | 826 |
| Q1 2025 | $9.5M | $8.5M | $2.4M | $970K | $3K | 0.11% | 2.29% | 0.14% | 828 |
| Q4 2024 | $9.4M | $8.4M | $2.5M | $967K | $831 | 0.01% | 2.52% | 0.16% | 834 |
| Q3 2024 | $9.3M | $8.4M | $2.7M | $969K | $3K | 0.04% | 2.53% | 0.60% | 849 |
| Q2 2024 | $9.0M | $8.0M | $2.8M | $963K | $-3K | -0.07% | 2.47% | 0.17% | 850 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $6.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.5% | 81.5% | 70th |
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 2024). Biggest market: Hunterdon, NJ, ranked 18th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hunterdon, NJ | 1 | $8.4M* | 0.14% | 18th |
New Jersey: 189th with 0.00% · New York-Newark-Jersey City metro: 256th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1