| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -5.9% | +0.7% | -6.6 pts |
| Loan growth (YoY) | -10.9% | -2.4% | -8.6 pts |
| ROA | -0.46% | 0.60% | -1.1 pts |
| ROE | -1.8% | 4.1% | -5.9 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.1M | $15.7M | $6.9M | $5.3M | $-24K | -0.46% | 3.15% | 0.60% | 1,673 |
| Q4 2025 | $20.8M | $15.4M | $7.2M | $5.4M | $-63K | -0.30% | 3.32% | 0.48% | 1,705 |
| Q3 2025 | $20.8M | $15.4M | $7.5M | $5.4M | $-41K | -0.26% | 3.23% | 1.32% | 1,740 |
| Q2 2025 | $21.5M | $15.7M | $7.7M | $5.4M | $-28K | -0.26% | 3.12% | 1.60% | 1,757 |
| Q1 2025 | $22.0M | $16.7M | $7.8M | $5.4M | $-19K | -0.34% | 2.94% | 2.03% | 1,777 |
| Q4 2024 | $21.2M | $15.8M | $8.0M | $5.4M | $-57K | -0.27% | 3.20% | 1.31% | 1,883 |
| Q3 2024 | $20.9M | $15.8M | $8.5M | $5.5M | $-704K | -4.48% | 3.31% | 1.72% | 1,887 |
| Q2 2024 | $22.7M | $17.1M | $8.8M | $5.5M | $-15K | -0.13% | 3.03% | 2.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.46% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,891 |
Loan mix (Q1 2026): real estate $3.8M · commercial $0 · consumer $3.0M · securities $12.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.9% | 81.5% | 92nd |
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: Union, NJ, ranked 37th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Union, NJ | 1 | $15.7M* | 0.06% | 37th |
New Jersey: 171st with 0.00% · New York-Newark-Jersey City metro: 233rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1