| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.1% | +1.3% | -9.4 pts |
| Share growth (YoY) | -13.1% | +0.9% | -14.1 pts |
| Loan growth (YoY) | -1.7% | -2.6% | +1.0 pts |
| ROA | 3.10% | 0.65% | +2.5 pts |
| ROE | 12.2% | 4.4% | +7.8 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.3M | $914K | $459K | $318K | $19K | 3.10% | 10.39% | 20.87% | 396 |
| Q1 2026 | $1.2M | $905K | $440K | $318K | $20K | 6.30% | 14.93% | 16.17% | 435 |
| Q4 2025 | $1.3M | $1.0M | $461K | $299K | $4K | 0.29% | 6.53% | 16.17% | 498 |
| Q3 2025 | $1.4M | $1.0M | $459K | $300K | $4K | 0.44% | 6.69% | 14.07% | 509 |
| Q2 2025 | $1.4M | $1.1M | $467K | $298K | $2K | 0.34% | 5.70% | 10.91% | 513 |
| Q1 2025 | $1.4M | $1.1M | $471K | $301K | $6K | 1.76% | 7.24% | 8.13% | 514 |
| Q4 2024 | $1.5M | $1.2M | $523K | $295K | $-22K | -1.43% | 5.14% | 14.54% | 521 |
| Q3 2024 | $1.6M | $1.3M | $525K | $300K | $-17K | -1.43% | 4.93% | 16.63% | 519 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.10% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 4.4% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 10.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.6M | $1.3M | $493K | $306K | $-11K | -1.32% | 4.63% | 15.61% | 516 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $438K · securities $733K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 80.6% | 29th |
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 2 counties across 1 state (+1 vs 2025). Biggest market: Middlesex, NJ, ranked 64th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, NJ | 1 | $457K* | 0.00% | 64th |
| Union, NJ | 1 | $457K* | 0.00% | 53rd |
New Jersey: 231st with 0.00% · New York-Newark-Jersey City metro: 318th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2