| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -4.4% | +0.9% | -5.4 pts |
| Loan growth (YoY) | -11.9% | -2.6% | -9.3 pts |
| ROA | 2.22% | 0.65% | +1.6 pts |
| ROE | 11.1% | 4.4% | +6.7 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.4M | $1.2M | $327K | $289K | $16K | 2.22% | 5.18% | 0.33% | 349 |
| Q1 2026 | $1.5M | $1.2M | $341K | $284K | $11K | 2.91% | 5.05% | 0.00% | 348 |
| Q4 2025 | $1.4M | $1.2M | $350K | $273K | $16K | 1.13% | 5.15% | 0.00% | 350 |
| Q3 2025 | $1.5M | $1.2M | $352K | $270K | $13K | 1.12% | 4.88% | 0.00% | 353 |
| Q2 2025 | $1.5M | $1.2M | $371K | $266K | $9K | 1.18% | 5.00% | 0.00% | 358 |
| Q1 2025 | $1.5M | $1.2M | $379K | $260K | $3K | 0.79% | 4.95% | 0.68% | 364 |
| Q4 2024 | $1.4M | $1.2M | $413K | $257K | $129 | 0.01% | 4.79% | 2.08% | 369 |
| Q3 2024 | $1.5M | $1.2M | $396K | $252K | $-5K | -0.43% | 4.46% | 2.22% | 370 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 0.65% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 4.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.5M |
| $1.3M |
| $376K |
| $245K |
| $-12K |
| -1.52% |
| 4.09% |
| 2.37% |
| 380 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $320K · securities $582K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 80.6% | 33rd |
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: Ocean, NJ, ranked 29th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ocean, NJ | 1 | $1.2M* | 0.00% | 29th |
New Jersey: 229th with 0.00% · New York-Newark-Jersey City metro: 314th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1