| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | +1.8% | +0.7% | +1.1 pts |
| Loan growth (YoY) | -13.3% | -2.4% | -11.0 pts |
| ROA | 0.21% | 0.60% | -0.4 pts |
| ROE | 1.4% | 4.1% | -2.7 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.8M | $19.6M | $5.7M | $3.5M | $13K | 0.21% | 4.10% | 0.14% | 1,139 |
| Q4 2025 | $23.5M | $19.2M | $6.0M | $3.5M | $189K | 0.81% | 4.51% | 0.76% | 1,150 |
| Q3 2025 | $23.4M | $19.1M | $6.1M | $3.5M | $140K | 0.80% | 4.36% | 0.40% | 1,160 |
| Q2 2025 | $23.4M | $19.1M | $6.5M | $3.4M | $50K | 0.42% | 4.48% | 0.47% | 1,173 |
| Q1 2025 | $23.7M | $19.2M | $6.6M | $3.7M | $53K | 0.90% | 4.12% | 0.29% | 1,191 |
| Q4 2024 | $20.6M | $16.5M | $6.1M | $3.0M | $165K | 0.80% | 4.16% | 0.10% | 852 |
| Q3 2024 | $20.7M | $16.4M | $6.5M | $3.0M | $126K | 0.81% | 4.02% | 3.22% | 855 |
| Q2 2024 | $20.8M | $16.4M | $6.6M | $3.0M | $103K | 1.00% | 4.09% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.1% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 851 |
Loan mix (Q1 2026): real estate $2.5M · commercial $0 · consumer $3.3M · securities $12.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.1% | 81.5% | 79th |
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 2024). Biggest market: Middlesex, NJ, ranked 51st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, NJ | 1 | $9.6M* | 0.02% | 51st |
| Union, NJ | 1 | $9.6M* | 0.04% | 39th |
New Jersey: 163rd with 0.00% · New York-Newark-Jersey City metro: 223rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2