| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +1.3% | +10.3 pts |
| Share growth (YoY) | +13.7% | +0.9% | +12.8 pts |
| Loan growth (YoY) | -5.8% | -2.6% | -3.2 pts |
| ROA | 0.06% | 0.65% | -0.6 pts |
| ROE | 0.4% | 4.4% | -3.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.5M | $11.5M | $7.0M | $1.9M | $4K | 0.06% | 1.48% | 1.03% | 1,332 |
| Q1 2026 | $13.0M | $11.1M | $7.2M | $1.9M | $-302 | -0.01% | 1.54% | 2.37% | 1,321 |
| Q4 2025 | $12.4M | $10.4M | $7.4M | $1.8M | $3K | 0.03% | 1.34% | 2.78% | 1,318 |
| Q3 2025 | $12.2M | $10.3M | $7.4M | $1.8M | $2K | 0.02% | 1.35% | 2.29% | 1,305 |
| Q2 2025 | $12.1M | $10.1M | $7.5M | $1.8M | $245 | 0.00% | 1.38% | 2.65% | 1,295 |
| Q1 2025 | $11.8M | $9.9M | $7.4M | $1.8M | $-262 | -0.01% | 1.42% | 3.12% | 1,292 |
| Q4 2024 | $11.5M | $9.8M | $7.5M | $1.6M | $16K | 0.14% | 1.39% | 1.81% | 1,285 |
| Q3 2024 | $11.5M | $9.6M | $7.6M | $1.8M | $10K | 0.12% | 1.36% | 1.90% | 1,279 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.65% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.4% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 1.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.5M | $9.6M | $7.6M | $1.8M | $11 | 0.00% | 1.28% | 1.74% | 1,288 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.0M · securities $5.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.0% | 80.6% | 74th |
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: Somerset, NJ, ranked 26th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Somerset, NJ | 1 | $11.5M* | 0.07% | 26th |
New Jersey: 182nd with 0.00% · New York-Newark-Jersey City metro: 250th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1