| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +30.6% | +1.3% | +29.3 pts |
| Share growth (YoY) | +31.6% | +0.9% | +30.6 pts |
| Loan growth (YoY) | +13.2% | -2.6% | +15.9 pts |
| ROA | -0.73% | 0.65% | -1.4 pts |
| ROE | -8.0% | 4.4% | -12.4 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.9M | $21.5M | $12.5M | $2.2M | $-87K | -0.73% | 4.44% | 1.93% | 3,068 |
| Q1 2026 | $24.5M | $22.3M | $12.7M | $2.2M | $-35K | -0.58% | 4.27% | 3.07% | 3,084 |
| Q4 2025 | $24.6M | $22.3M | $13.0M | $2.3M | $318K | 1.29% | 3.02% | 1.25% | 3,165 |
| Q3 2025 | $18.7M | $16.6M | $11.2M | $1.9M | $-71K | -0.51% | 3.43% | 1.73% | 3,173 |
| Q2 2025 | $18.3M | $16.4M | $11.1M | $1.9M | $-46K | -0.51% | 3.51% | 3.33% | 2,157 |
| Q1 2025 | $18.0M | $16.1M | $11.2M | $1.9M | $-19K | -0.42% | 3.55% | 1.77% | 2,159 |
| Q4 2024 | $18.2M | $15.5M | $11.3M | $1.9M | $109K | 0.60% | 3.35% | 1.30% | 2,200 |
| Q3 2024 | $18.5M | $14.9M | $11.4M | $2.0M | $119K | 0.86% | 3.22% | 1.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.73% | 0.65% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -8.0% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,287 |
| Q2 2024 | $18.6M | $15.0M | $11.5M | $2.0M | $145K | 1.55% | 3.20% | 1.06% | 2,288 |
Loan mix (Q2 2026): real estate $8.2M · commercial $0 · consumer $3.9M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.3% | 80.6% | 92nd |
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 2025). Biggest market: Hudson, NJ, ranked 35th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hudson, NJ | 1 | $10.8M* | 0.02% | 35th |
| Middlesex, NJ | 1 | $10.8M* | 0.02% | 52nd |
New Jersey: 164th with 0.00% · New York-Newark-Jersey City metro: 228th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2