| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +0.4% | +0.9% | -0.5 pts |
| Loan growth (YoY) | -2.6% | -2.6% | +0.0 pts |
| ROA | 0.26% | 0.65% | -0.4 pts |
| ROE | 1.9% | 4.4% | -2.5 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.8M | $9.0M | $6.7M | $1.5M | $14K | 0.26% | 4.93% | 2.40% | 1,613 |
| Q1 2026 | $10.7M | $9.1M | $6.9M | $1.5M | $7K | 0.27% | 4.92% | 1.78% | 1,619 |
| Q4 2025 | $10.5M | $8.9M | $6.9M | $1.5M | $54K | 0.52% | 5.14% | 0.83% | 1,613 |
| Q3 2025 | $10.5M | $8.9M | $6.8M | $1.5M | $41K | 0.52% | 5.13% | 0.49% | 1,628 |
| Q2 2025 | $10.6M | $9.0M | $6.8M | $1.5M | $24K | 0.46% | 4.95% | 0.49% | 1,624 |
| Q1 2025 | $11.4M | $9.8M | $6.9M | $1.5M | $10K | 0.36% | 4.46% | 0.65% | 1,630 |
| Q4 2024 | $10.3M | $8.7M | $6.8M | $1.5M | $32K | 0.31% | 4.90% | 1.02% | 1,655 |
| Q3 2024 | $10.4M | $8.8M | $7.1M | $1.5M | $27K | 0.35% | 4.83% | 1.58% | 1,666 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.65% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.4% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.9M | $9.3M | $7.2M | $1.5M | $19K | 0.36% | 4.57% | 1.63% | 1,673 |
Loan mix (Q2 2026): real estate $3.4M · commercial $0 · consumer $3.3M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.2% | 80.6% | 77th |
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: Morris, NJ, ranked 35th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Morris, NJ | 1 | $9.0M* | 0.03% | 35th |
New Jersey: 188th with 0.00% · New York-Newark-Jersey City metro: 258th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1