| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -2.3% | +0.9% | -3.3 pts |
| Loan growth (YoY) | -6.6% | -2.6% | -4.0 pts |
| ROA | 0.47% | 0.65% | -0.2 pts |
| ROE | 4.6% | 4.4% | +0.2 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.8M | $8.0M | $2.3M | $894K | $21K | 0.47% | 3.98% | 2.11% | 754 |
| Q1 2026 | $8.7M | $8.0M | $2.3M | $878K | $4K | 0.19% | 4.33% | 3.60% | 777 |
| Q4 2025 | $8.8M | $8.0M | $2.4M | $873K | $69K | 0.79% | 4.36% | 2.31% | 792 |
| Q3 2025 | $8.9M | $7.9M | $2.4M | $867K | $63K | 0.95% | 4.35% | 2.02% | 805 |
| Q2 2025 | $9.0M | $8.2M | $2.4M | $848K | $44K | 0.99% | 4.29% | 1.77% | 821 |
| Q1 2025 | $8.9M | $8.2M | $2.5M | $831K | $27K | 1.23% | 4.25% | 1.99% | 854 |
| Q4 2024 | $8.6M | $7.9M | $2.7M | $804K | $74K | 0.86% | 4.32% | 0.69% | 824 |
| Q3 2024 | $8.5M | $7.8M | $2.9M | $778K | $48K | 0.75% | 4.21% | 1.24% | 883 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.65% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.4% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $8.9M |
| $8.2M |
| $3.2M |
| $762K |
| $32K |
| 0.71% |
| 3.81% |
| 0.35% |
| 900 |
Loan mix (Q2 2026): real estate $1.3M · commercial $0 · consumer $936K · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 80.6% | 58th |
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: Burlington, NJ, ranked 26th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Burlington, NJ | 1 | $8.0M* | 0.05% | 26th |
New Jersey: 195th with 0.00% · Philadelphia-Camden-Wilmington metro: 145th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1