| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +0.3% | +0.9% | -0.6 pts |
| Loan growth (YoY) | -20.8% | -2.6% | -18.2 pts |
| ROA | 3.39% | 0.65% | +2.7 pts |
| ROE | 8.2% | 4.4% | +3.8 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $413K | $243K | $109K | $171K | $7K | 3.39% | 4.67% | 28.73% | 185 |
| Q1 2026 | $412K | $243K | $118K | $170K | $6K | 5.54% | 7.27% | 4.16% | 210 |
| Q4 2025 | $406K | $241K | $129K | $166K | $17K | 4.21% | 4.90% | 12.04% | 186 |
| Q3 2025 | $407K | $240K | $139K | $164K | $16K | 5.11% | 5.87% | 21.08% | 183 |
| Q2 2025 | $405K | $242K | $138K | $160K | $18K | 8.70% | 10.99% | 7.81% | 183 |
| Q1 2025 | $392K | $233K | $145K | $158K | $9K | 9.05% | 12.01% | 7.25% | 182 |
| Q4 2024 | $379K | $228K | $150K | $150K | $7K | 1.89% | 4.69% | 25.64% | 186 |
| Q3 2024 | $375K | $226K | $157K | $148K | $6K | 2.07% | 5.50% | 5.06% | 188 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.39% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.88% |
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| Q2 2024 | $365K | $221K | $164K | $144K | $1K | 0.69% | 5.19% | 3.38% | 188 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $109K · securities $169K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 30.8% | 80.6% | 1st |
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: Essex, NJ, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, NJ | 1 | $243K* | 0.00% | 56th |
New Jersey: 237th with 0.00% · New York-Newark-Jersey City metro: 336th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1