| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.7 pts |
| Share growth (YoY) | +8.8% | +0.9% | +7.8 pts |
| Loan growth (YoY) | +1.0% | -2.6% | +3.6 pts |
| ROA | -0.30% | 0.65% | -0.9 pts |
| ROE | -1.8% | 4.4% | -6.2 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.9M | $20.6M | $13.6M | $4.2M | $-38K | -0.30% | 4.45% | 3.30% | 4,062 |
| Q1 2026 | $24.2M | $20.0M | $13.4M | $4.2M | $-14K | -0.23% | 4.50% | 2.77% | 4,031 |
| Q4 2025 | $24.0M | $19.7M | $13.7M | $4.2M | $2K | 0.01% | 4.88% | 2.52% | 4,002 |
| Q3 2025 | $24.3M | $20.0M | $13.3M | $4.3M | $-13K | -0.07% | 4.86% | 2.03% | 4,000 |
| Q2 2025 | $23.3M | $19.0M | $13.5M | $4.3M | $-15K | -0.13% | 5.06% | 2.46% | 4,185 |
| Q1 2025 | $23.1M | $18.8M | $13.8M | $4.3M | $2K | 0.03% | 5.17% | 2.18% | 4,277 |
| Q4 2024 | $22.5M | $18.2M | $13.7M | $4.3M | $25K | 0.11% | 5.36% | 2.56% | 4,229 |
| Q3 2024 | $21.5M | $17.1M | $13.8M | $4.3M | $15K | 0.09% | 5.56% | 1.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.30% | 0.65% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,159 |
| Q2 2024 | $21.3M | $16.9M | $13.8M | $4.3M | $9K | 0.09% | 5.55% | 1.69% | 4,121 |
Loan mix (Q2 2026): real estate $4.8M · commercial $0 · consumer $8.7M · securities $8.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.8% | 80.6% | 89th |
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 (+0 vs 2025). Biggest market: Union, NJ, ranked 41st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Union, NJ | 1 | $10.3M* | 0.04% | 41st |
| Camden, NJ | 1 | $10.3M* | 0.06% | 27th |
New Jersey: 166th with 0.00% · New York-Newark-Jersey City metro: 252nd, 0.00% · Philadelphia-Camden-Wilmington metro: 142nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2