| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +1.3% | +6.0 pts |
| Share growth (YoY) | +12.8% | +0.9% | +11.9 pts |
| Loan growth (YoY) | +5.3% | -2.6% | +8.0 pts |
| ROA | 0.19% | 0.65% | -0.5 pts |
| ROE | 0.7% | 4.4% | -3.7 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.2M | $10.0M | $9.9M | $3.9M | $13K | 0.19% | 4.90% | 4.26% | 1,431 |
| Q1 2026 | $14.1M | $9.9M | $9.6M | $3.8M | $-26K | -0.73% | 4.79% | 2.35% | 1,443 |
| Q4 2025 | $13.9M | $9.8M | $9.9M | $3.8M | $19K | 0.13% | 5.12% | 4.76% | 1,420 |
| Q3 2025 | $13.3M | $8.8M | $9.7M | $4.0M | $167K | 1.67% | 5.36% | 2.86% | 1,399 |
| Q2 2025 | $13.2M | $8.9M | $9.4M | $4.2M | $342K | 5.16% | 5.32% | 0.84% | 1,370 |
| Q1 2025 | $13.4M | $9.1M | $9.1M | $4.2M | $327K | 9.78% | 5.29% | 0.38% | 1,346 |
| Q4 2024 | $12.9M | $8.8M | $9.1M | $3.9M | $-581K | -4.50% | 5.06% | 2.40% | 1,377 |
| Q3 2024 | $13.0M | $8.1M | $9.2M | $4.3M | $-660K | -6.78% | 5.04% | 4.67% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.65% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.4% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,369 |
| Q2 2024 | $13.1M | $8.2M | $8.9M | $4.1M | $-364K | -5.55% | 4.90% | 0.47% | 1,358 |
Loan mix (Q2 2026): real estate $911K · commercial $0 · consumer $8.9M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.9% | 80.6% | 91st |
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 36th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hudson, NJ | 1 | $10.0M* | 0.02% | 36th |
New Jersey: 186th with 0.00% · New York-Newark-Jersey City metro: 254th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1