| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +48.8% | +1.3% | +47.5 pts |
| Share growth (YoY) | +71.7% | +0.9% | +70.8 pts |
| Loan growth (YoY) | +78.5% | -2.6% | +81.1 pts |
| ROA | -1.52% | 0.65% | -2.2 pts |
| ROE | -9.8% | 4.4% | -14.2 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.2M | $6.1M | $2.2M | $1.1M | $-55K | -1.52% | 4.43% | 0.41% | 1,177 |
| Q1 2026 | $7.1M | $5.9M | $1.9M | $1.1M | $-27K | -1.54% | 4.22% | 0.25% | 1,074 |
| Q4 2025 | $6.2M | $5.1M | $1.6M | $1.2M | $-199K | -3.20% | 3.44% | 0.06% | 912 |
| Q3 2025 | $5.2M | $4.0M | $1.4M | $1.2M | $-148K | -3.79% | 3.72% | 0.18% | 809 |
| Q2 2025 | $4.9M | $3.6M | $1.2M | $1.3M | $-96K | -3.94% | 3.72% | 0.09% | 637 |
| Q1 2025 | $4.2M | $2.8M | $910K | $1.3M | $-39K | -3.75% | 3.45% | 0.00% | 527 |
| Q4 2024 | $2.6M | $1.2M | $513K | $1.4M | $-125K | -4.87% | 1.84% | 0.00% | 326 |
| Q3 2024 | $1.9M | $501K | $0 | $1.4M | $-66K | -4.56% | 1.61% | — | 4 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.52% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -9.8% | 4.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.5M | $0 | $0 | $1.5M | $-35K | -4.73% | 1.09% | — | 1 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 130.5% | 80.6% | 97th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Middlesex, NJ, ranked 57th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, NJ | 2 | $6.1M* | 0.01% | 57th |
New Jersey: 205th with 0.00% · New York-Newark-Jersey City metro: 277th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2024 2 · 2025 2 · 2026 2