| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +0.6% | +0.9% | -0.3 pts |
| Loan growth (YoY) | -13.4% | -2.6% | -10.8 pts |
| ROA | 1.13% | 0.65% | +0.5 pts |
| ROE | 9.1% | 4.4% | +4.7 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.1M | $6.1M | $1.5M | $884K | $40K | 1.13% | 5.61% | 2.02% | 2,170 |
| Q1 2026 | $7.1M | $6.1M | $1.6M | $870K | $26K | 1.48% | 5.65% | 4.21% | 2,127 |
| Q4 2025 | $7.1M | $6.1M | $1.8M | $844K | $91K | 1.29% | 5.90% | 3.60% | 2,172 |
| Q3 2025 | $7.1M | $6.2M | $1.7M | $834K | $70K | 1.31% | 5.95% | 2.93% | 2,174 |
| Q2 2025 | $7.0M | $6.1M | $1.7M | $793K | $29K | 0.83% | 6.18% | 3.18% | 2,178 |
| Q1 2025 | $6.8M | $6.0M | $1.7M | $780K | $17K | 0.99% | 6.35% | 2.40% | 2,197 |
| Q4 2024 | $6.8M | $5.9M | $1.9M | $764K | $68K | 1.00% | 6.60% | 2.08% | 2,301 |
| Q3 2024 | $6.9M | $6.0M | $1.9M | $754K | $47K | 0.91% | 6.40% | 3.35% | 2,303 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.65% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.9M | $6.1M | $1.8M | $732K | $24K | 0.70% | 6.10% | 2.77% | 2,304 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 80.6% | 19th |
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: Hudson, NJ, ranked 40th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hudson, NJ | 1 | $6.1M* | 0.01% | 40th |
New Jersey: 206th with 0.00% · New York-Newark-Jersey City metro: 278th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1