| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.2 pts |
| Share growth (YoY) | +1.8% | +0.9% | +0.8 pts |
| Loan growth (YoY) | -30.2% | -2.6% | -27.6 pts |
| ROA | -4.50% | 0.65% | -5.1 pts |
| ROE | -34.8% | 4.4% | -39.2 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.0M | $8.7M | $3.1M | $1.3M | $-226K | -4.50% | 3.64% | 0.24% | 990 |
| Q1 2026 | $10.0M | $8.6M | $3.4M | $1.4M | $9K | 0.37% | 3.72% | 0.34% | 936 |
| Q4 2025 | $10.1M | $8.6M | $4.0M | $1.5M | $95K | 0.94% | 4.11% | 0.07% | 1,011 |
| Q3 2025 | $10.2M | $8.7M | $4.3M | $1.5M | $69K | 0.90% | 4.09% | 0.08% | 1,011 |
| Q2 2025 | $10.0M | $8.6M | $4.5M | $1.4M | $33K | 0.65% | 4.11% | 0.09% | 955 |
| Q1 2025 | $10.1M | $8.7M | $4.7M | $1.4M | $14K | 0.54% | 3.90% | 0.10% | 973 |
| Q4 2024 | $9.8M | $8.4M | $5.0M | $1.4M | $99K | 1.01% | 4.06% | 0.12% | 984 |
| Q3 2024 | $9.6M | $8.2M | $5.1M | $1.4M | $73K | 1.01% | 4.10% | 0.12% | 1,057 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.50% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -34.8% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.9M | $8.5M | $5.5M | $1.3M | $29K | 0.59% | 3.98% | 0.16% | 1,046 |
Loan mix (Q2 2026): real estate $277K · commercial $0 · consumer $2.2M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 216.7% | 80.6% | 99th |
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: Salem, NJ, ranked 8th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salem, NJ | 1 | $8.7M* | 0.60% | 8th |
New Jersey: 191st with 0.00% · Philadelphia-Camden-Wilmington metro: 144th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1