| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +1.3% | +9.8 pts |
| Share growth (YoY) | +15.1% | +0.9% | +14.2 pts |
| Loan growth (YoY) | +54.3% | -2.6% | +56.9 pts |
| ROA | -2.06% | 0.65% | -2.7 pts |
| ROE | -14.6% | 4.4% | -19.0 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.0M | $2.6M | $2.4M | $427K | $-31K | -2.06% | 0.67% | 1.36% | 474 |
| Q1 2026 | $3.1M | $2.7M | $2.4M | $457K | $-492 | -0.06% | 0.66% | 1.32% | 441 |
| Q4 2025 | $2.7M | $2.3M | $2.0M | $458K | $-7K | -0.25% | 0.99% | 1.06% | 393 |
| Q3 2025 | $2.7M | $2.3M | $1.7M | $457K | $-8K | -0.40% | 1.00% | 0.00% | 355 |
| Q2 2025 | $2.7M | $2.3M | $1.6M | $466K | $1K | 0.08% | 1.00% | 0.00% | 313 |
| Q1 2025 | $2.3M | $1.9M | $1.4M | $460K | $-5K | -0.83% | 1.07% | 0.00% | 283 |
| Q4 2024 | $2.2M | $1.7M | $1.2M | $465K | $21K | 0.95% | 1.35% | 0.00% | 247 |
| Q3 2024 | $2.0M | $1.5M | $1.3M | $466K | $22K | 1.48% | 1.49% | 0.00% | 234 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.06% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -14.6% | 4.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.9M | $1.4M | $1.3M | $459K | $15K | 1.59% | 1.64% | 0.00% | 233 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $438
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 126.3% | 80.6% | 96th |
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: Middlesex, NJ, ranked 62nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, NJ | 2 | $2.6M* | 0.00% | 62nd |
New Jersey: 223rd with 0.00% · New York-Newark-Jersey City metro: 301st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2