| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +1.3% | -2.6 pts |
| Share growth (YoY) | -3.5% | +0.9% | -4.4 pts |
| Loan growth (YoY) | -8.3% | -2.6% | -5.7 pts |
| ROA | 0.21% | 0.65% | -0.4 pts |
| ROE | 1.6% | 4.4% | -2.8 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.1M | $2.6M | $1.0M | $417K | $3K | 0.21% | 3.79% | 0.00% | 3,509 |
| Q1 2026 | $3.4M | $2.9M | $1.0M | $415K | $1K | 0.17% | 3.32% | 0.00% | 3,531 |
| Q4 2025 | $3.1M | $2.6M | $1.1M | $413K | $7K | 0.22% | 3.96% | 0.00% | 3,527 |
| Q3 2025 | $3.3M | $2.8M | $1.1M | $412K | $6K | 0.23% | 3.81% | 0.00% | 3,531 |
| Q2 2025 | $3.2M | $2.7M | $1.1M | $411K | $4K | 0.26% | 3.85% | 0.03% | 3,542 |
| Q1 2025 | $3.3M | $2.9M | $923K | $408K | $2K | 0.18% | 3.48% | 0.14% | 3,524 |
| Q4 2024 | $3.2M | $2.8M | $948K | $407K | $1K | 0.05% | 3.85% | 0.26% | 3,554 |
| Q3 2024 | $3.0M | $2.6M | $1.0M | $406K | $989 | 0.04% | 4.03% | 0.31% | 3,563 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.0M | $2.6M | $1.1M | $405K | $3K | 0.19% | 4.00% | 0.13% | 3,563 |
Loan mix (Q2 2026): real estate $966K · commercial $0 · consumer $41K · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.3% | 80.6% | 85th |
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: Essex, NJ, ranked 53rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, NJ | 1 | $2.6M* | 0.01% | 53rd |
New Jersey: 222nd with 0.00% · New York-Newark-Jersey City metro: 300th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1