| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +1.3% | +6.3 pts |
| Share growth (YoY) | +7.9% | +0.9% | +7.0 pts |
| Loan growth (YoY) | -5.1% | -2.6% | -2.5 pts |
| ROA | 0.14% | 0.65% | -0.5 pts |
| ROE | 1.3% | 4.4% | -3.1 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $39.5M | $34.6M | $7.1M | $4.4M | $28K | 0.14% | 0.92% | 0.87% | 2,559 |
| Q1 2026 | $38.7M | $33.9M | $7.1M | $4.4M | $15K | 0.15% | 1.12% | 0.94% | 2,517 |
| Q4 2025 | $37.6M | $32.8M | $7.5M | $4.4M | $199K | 0.53% | 1.64% | 0.91% | 2,526 |
| Q3 2025 | $37.0M | $32.3M | $7.6M | $4.4M | $147K | 0.53% | 1.64% | 1.05% | 2,531 |
| Q2 2025 | $36.7M | $32.1M | $7.5M | $4.3M | $60K | 0.33% | 1.63% | 0.86% | 2,505 |
| Q1 2025 | $36.3M | $31.7M | $7.7M | $4.3M | $42K | 0.46% | 1.63% | 0.98% | 2,501 |
| Q4 2024 | $35.3M | $30.8M | $8.0M | $4.2M | $183K | 0.52% | 1.10% | 1.10% | 2,488 |
| Q3 2024 | $34.3M | $29.8M | $8.2M | $4.1M | $96K | 0.37% | 0.85% | 0.96% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.65% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,492 |
| Q2 2024 | $33.7M | $29.3M | $8.2M | $4.1M | $65K | 0.39% | 0.60% | 0.63% | 2,527 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.0M · securities $24.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 80.6% | 18th |
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: Bergen, NJ, ranked 47th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bergen, NJ | 1 | $34.6M* | 0.05% | 47th |
New Jersey: 152nd with 0.01% · New York-Newark-Jersey City metro: 214th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1