| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +1.3% | +7.5 pts |
| Share growth (YoY) | +7.5% | +0.9% | +6.6 pts |
| Loan growth (YoY) | +0.9% | -2.6% | +3.5 pts |
| ROA | 2.02% | 0.65% | +1.4 pts |
| ROE | 13.2% | 4.4% | +8.8 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.4M | $6.4M | $2.1M | $1.1M | $75K | 2.02% | 2.48% | 2.51% | 615 |
| Q1 2026 | $7.3M | $6.2M | $2.1M | $1.1M | $-63K | -3.47% | 2.95% | 1.51% | 613 |
| Q4 2025 | $7.1M | $6.1M | $2.2M | $1.1M | $35K | 0.49% | 1.82% | 1.77% | 615 |
| Q3 2025 | $7.0M | $6.0M | $2.2M | $1.1M | $7K | 0.12% | 2.03% | 1.85% | 618 |
| Q2 2025 | $6.8M | $5.9M | $2.0M | $1.0M | $56K | 1.63% | 1.96% | 1.29% | 609 |
| Q1 2025 | $6.9M | $6.0M | $2.1M | $1.0M | $36K | 2.07% | 2.52% | 0.30% | 627 |
| Q4 2024 | $7.0M | $6.2M | $2.1M | $978K | $90K | 1.29% | 2.05% | 0.52% | 611 |
| Q3 2024 | $7.1M | $6.3M | $2.1M | $938K | $65K | 1.21% | 2.36% | 0.63% | 634 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.02% | 0.65% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 4.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.2M | $6.6M | $1.9M | $914K | $25K | 0.68% | 1.36% | 1.12% | 632 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 19.8% | 80.6% | 0th |
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: Passaic, NJ, ranked 25th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Passaic, NJ | 1 | $6.4M* | 0.02% | 25th |
New Jersey: 203rd with 0.00% · New York-Newark-Jersey City metro: 275th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1