| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -1.4% | +0.9% | -2.4 pts |
| Loan growth (YoY) | -6.4% | -2.6% | -3.8 pts |
| ROA | -1.20% | 0.65% | -1.8 pts |
| ROE | -5.2% | 4.4% | -9.6 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.3M | $7.8M | $6.7M | $2.4M | $-62K | -1.20% | 3.81% | 3.84% | 764 |
| Q1 2026 | $10.5M | $7.9M | $6.7M | $2.4M | $208 | 0.01% | 4.02% | 3.15% | 776 |
| Q4 2025 | $10.4M | $7.8M | $6.7M | $2.4M | $-28K | -0.27% | 3.84% | 3.59% | 777 |
| Q3 2025 | $10.3M | $7.7M | $6.9M | $2.5M | $-16K | -0.20% | 3.92% | 4.54% | 782 |
| Q2 2025 | $10.5M | $7.9M | $7.2M | $2.4M | $21K | 0.41% | 3.87% | 3.61% | 783 |
| Q1 2025 | $10.3M | $7.7M | $7.4M | $2.4M | $21K | 0.82% | 4.19% | 1.43% | 784 |
| Q4 2024 | $10.4M | $7.7M | $7.6M | $2.4M | $31K | 0.30% | 3.56% | 3.80% | 784 |
| Q3 2024 | $10.6M | $8.0M | $7.4M | $2.4M | $23K | 0.29% | 3.41% | 3.01% | 781 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.20% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -5.2% | 4.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.2M | $7.7M | $6.9M | $2.4M | $23K | 0.45% | 3.72% | 2.73% | 777 |
Loan mix (Q2 2026): real estate $3.6M · commercial $0 · consumer $3.0M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.8% | 80.6% | 83rd |
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 1 county across 1 state (+0 vs 2025). Biggest market: Hudson, NJ, ranked 39th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hudson, NJ | 2 | $7.8M* | 0.02% | 39th |
New Jersey: 198th with 0.00% · New York-Newark-Jersey City metro: 266th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2