| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.1% | -0.1 pts |
| Share growth (YoY) | +3.7% | +3.5% | +0.1 pts |
| Loan growth (YoY) | +0.5% | +2.9% | -2.4 pts |
| ROA | 0.34% | 0.74% | -0.4 pts |
| ROE | 2.4% | 6.5% | -4.1 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $156.4M | $134.2M | $100.8M | $21.7M | $263K | 0.34% | 2.34% | 0.17% | 3,680 |
| Q1 2026 | $155.2M | $133.5M | $99.5M | $21.5M | $105K | 0.27% | 2.25% | 0.35% | 3,696 |
| Q4 2025 | $152.8M | $131.3M | $101.4M | $21.4M | $542K | 0.35% | 2.35% | 0.18% | 3,691 |
| Q3 2025 | $150.3M | $129.0M | $103.4M | $21.3M | $403K | 0.36% | 2.38% | 0.18% | 3,737 |
| Q2 2025 | $150.4M | $129.4M | $100.3M | $21.1M | $254K | 0.34% | 2.35% | 0.02% | 3,734 |
| Q1 2025 | $149.0M | $127.4M | $103.0M | $20.9M | $90K | 0.24% | 2.23% | 2.00% | 3,764 |
| Q4 2024 | $147.3M | $126.3M | $101.5M | $20.9M | $385K | 0.26% | 2.10% | 2.04% | 3,783 |
| Q3 2024 | $145.3M | $124.6M | $102.3M | $20.8M | $304K | 0.28% | 2.12% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.74% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 6.5% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.34% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.84% |
| 3,771 |
| Q2 2024 | $145.0M | $123.8M | $101.6M | $20.7M | $245K | 0.34% | 2.16% | 0.18% | 3,805 |
Loan mix (Q2 2026): real estate $74.1M · commercial $24.6M · consumer $1.8M · securities $29.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 77.5% | 83rd |
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: Passaic, NJ, ranked 16th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Passaic, NJ | 2 | $134.2M* | 0.48% | 16th |
New Jersey: 106th with 0.03% · New York-Newark-Jersey City metro: 161st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2