| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +4.9% | +0.9% | +4.0 pts |
| Loan growth (YoY) | +9.7% | -2.6% | +12.3 pts |
| ROA | 1.97% | 0.65% | +1.3 pts |
| ROE | 13.9% | 4.4% | +9.5 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.2M | $44.8M | $23.7M | $7.4M | $515K | 1.97% | 3.45% | 2.62% | 3,696 |
| Q1 2026 | $50.7M | $43.5M | $22.8M | $7.1M | $244K | 1.92% | 3.52% | 1.99% | 3,703 |
| Q4 2025 | $49.2M | $42.3M | $23.2M | $6.9M | $1.0M | 2.12% | 3.66% | 2.03% | 3,717 |
| Q3 2025 | $47.5M | $41.1M | $23.4M | $6.6M | $777K | 2.18% | 3.78% | 1.94% | 3,723 |
| Q2 2025 | $48.7M | $42.7M | $21.6M | $6.4M | $509K | 2.09% | 3.64% | 2.11% | 3,710 |
| Q1 2025 | $47.5M | $41.8M | $20.3M | $6.1M | $242K | 2.03% | 3.60% | 2.28% | 3,697 |
| Q4 2024 | $45.5M | $39.9M | $20.3M | $5.9M | $1.1M | 2.40% | 3.81% | 2.27% | 3,692 |
| Q3 2024 | $44.0M | $38.9M | $20.1M | $5.5M | $816K | 2.47% | 3.93% | 2.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.97% | 0.65% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 4.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,701 |
| Q2 2024 | $46.1M | $41.4M | $18.5M | $5.3M | $552K | 2.40% | 3.74% | 2.20% | 3,720 |
Loan mix (Q2 2026): real estate $15.7M · commercial $0 · consumer $8.0M · securities $15.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.4% | 80.6% | 3rd |
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: Mercer, NJ, ranked 32nd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mercer, NJ | 1 | $44.8M* | 0.19% | 32nd |
New Jersey: 145th with 0.01% · Trenton-Princeton metro: 32nd, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1