| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +1.3% | -4.5 pts |
| Share growth (YoY) | -4.5% | +0.9% | -5.4 pts |
| Loan growth (YoY) | +9.5% | -2.6% | +12.1 pts |
| ROA | 0.43% | 0.65% | -0.2 pts |
| ROE | 2.1% | 4.4% | -2.2 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.7M | $3.8M | $1.7M | $937K | $10K | 0.43% | 3.60% | 2.44% | 535 |
| Q1 2026 | $4.7M | $3.8M | $1.6M | $927K | $-318 | -0.03% | 3.52% | 2.33% | 536 |
| Q4 2025 | $4.6M | $3.7M | $1.5M | $927K | $-4K | -0.08% | 2.99% | 0.82% | 531 |
| Q3 2025 | $4.8M | $3.9M | $1.6M | $923K | $-8K | -0.22% | 2.73% | 1.86% | 533 |
| Q2 2025 | $4.9M | $3.9M | $1.5M | $917K | $-14K | -0.56% | 2.53% | 1.86% | 536 |
| Q1 2025 | $5.0M | $4.0M | $1.5M | $919K | $-11K | -0.92% | 2.39% | 1.73% | 532 |
| Q4 2024 | $4.9M | $4.0M | $1.4M | $931K | $-21K | -0.43% | 2.00% | 0.80% | 524 |
| Q3 2024 | $4.8M | $3.9M | $1.4M | $935K | $-17K | -0.46% | 1.97% | 2.12% | 519 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.65% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.4% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.9M | $4.0M | $1.4M | $935K | $-16K | -0.66% | 1.86% | 1.91% | 515 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 80.6% | 68th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Passaic, NJ, ranked 27th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Passaic, NJ | 2 | $3.8M* | 0.01% | 27th |
New Jersey: 217th with 0.00% · New York-Newark-Jersey City metro: 294th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2