| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -0.8% | +0.7% | -1.4 pts |
| Loan growth (YoY) | -14.3% | -2.4% | -11.9 pts |
| ROA | 0.45% | 0.60% | -0.2 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.0M | $25.2M | $3.9M | $2.7M | $31K | 0.45% | 3.22% | 0.00% | 2,368 |
| Q4 2025 | $27.6M | $24.8M | $4.2M | $2.7M | $33K | 0.12% | 2.75% | 0.00% | 2,381 |
| Q3 2025 | $27.9M | $25.1M | $4.4M | $2.7M | $19K | 0.09% | 2.60% | 0.00% | 2,396 |
| Q2 2025 | $28.0M | $25.3M | $4.4M | $2.7M | $10K | 0.07% | 2.46% | 0.00% | 2,406 |
| Q1 2025 | $28.1M | $25.4M | $4.5M | $2.7M | $4K | 0.05% | 2.39% | 0.00% | 2,415 |
| Q4 2024 | $27.8M | $25.0M | $4.7M | $2.7M | $-42K | -0.15% | 2.11% | 0.00% | 2,421 |
| Q3 2024 | $27.6M | $24.8M | $4.6M | $2.6M | $-52K | -0.25% | 2.05% | 0.28% | 2,430 |
| Q2 2024 | $27.9M | $25.1M | $4.7M | $2.6M | $-49K | -0.35% | 1.97% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.60% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,441 |
Loan mix (Q1 2026): real estate $2.3M · commercial $0 · consumer $1.6M · securities $21.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 81.5% | 60th |
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 2024). Biggest market: Middlesex, NJ, ranked 47th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, NJ | 1 | $25.3M* | 0.05% | 47th |
New Jersey: 156th with 0.01% · New York-Newark-Jersey City metro: 217th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1