| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.9% | +1.3% | -18.2 pts |
| Share growth (YoY) | -19.1% | +0.9% | -20.1 pts |
| Loan growth (YoY) | +9.8% | -2.6% | +12.4 pts |
| ROA | -0.34% | 0.65% | -1.0 pts |
| ROE | -2.1% | 4.4% | -6.5 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.7M | $4.1M | $345K | $765K | $-8K | -0.34% | 1.06% | 1.76% | 129 |
| Q1 2026 | $4.9M | $4.4M | $366K | $766K | $-6K | -0.53% | 1.13% | 1.66% | 130 |
| Q4 2025 | $5.7M | $5.1M | $346K | $773K | $-207 | -0.00% | 1.24% | 0.00% | 136 |
| Q3 2025 | $5.7M | $5.1M | $314K | $776K | $3K | 0.08% | 1.29% | 0.00% | 136 |
| Q2 2025 | $5.6M | $5.1M | $314K | $778K | $5K | 0.17% | 1.33% | 0.00% | 136 |
| Q1 2025 | $5.8M | $5.3M | $292K | $771K | $-2K | -0.12% | 1.29% | 0.00% | 137 |
| Q4 2024 | $5.8M | $5.3M | $301K | $773K | $28K | 0.49% | 1.80% | 0.00% | 140 |
| Q3 2024 | $6.0M | $5.5M | $293K | $768K | $25K | 0.55% | 1.79% | 1.51% | 143 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.34% | 0.65% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -2.1% | 4.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.0M | $5.6M | $275K | $754K | $10K | 0.34% | 1.71% | 0.03% | 146 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $289K · securities $3.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 127.5% | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Monmouth, NJ, ranked 31st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monmouth, NJ | 1 | $4.1M* | 0.01% | 31st |
New Jersey: 214th with 0.00% · New York-Newark-Jersey City metro: 291st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1