Proponent Federal Credit Union
Total assets
$518.6M
▼ -1.1% YoY
Shares & deposits
$436.0M
▼ -1.5% YoY
Loans
$396.9M
▼ -2.6% YoY
Members
18,623
▼ -0.4% YoY
ROA (annualized)
0.12%
peers 0.62%
ROE (annualized)
0.88%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.8% | -5.8 pts |
| Share growth (YoY) | -1.5% | +4.3% | -5.8 pts |
| Loan growth (YoY) | -2.6% | +4.3% | -7.0 pts |
| ROA | 0.12% | 0.62% | -0.5 pts |
| ROE | 0.9% | 5.9% | -5.0 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
Profile
- Established
- 1971
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 100 Metro Blvd, 4Th Floor, Nutley, NJ, 07110
- NCUA charter #
- 20448
- RSSD ID
- 911889
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $518.6M | $436.0M | $396.9M | $72.7M | $160K | 0.12% | 3.61% | 0.88% | 18,623 |
| Q4 2025 | $508.3M | $425.5M | $398.0M | $72.5M | $508K | 0.10% | 3.54% | 0.93% | 18,623 |
| Q3 2025 | $508.6M | $425.4M | $398.4M | $72.1M | $96K | 0.03% | 3.50% | 1.09% | 18,691 |
| Q2 2025 | $515.3M | $433.1M | $403.0M | $71.9M | $-97K | -0.04% | 3.40% | 1.57% | 18,661 |
| Q1 2025 | $524.3M | $442.7M | $407.6M | $71.7M | $-287K | -0.22% | 3.21% | 1.28% | 18,702 |
| Q4 2024 | $514.0M | $431.0M | $409.1M | $72.0M | $1.2M | 0.24% | 3.25% | 1.25% | 18,740 |
| Q3 2024 | $501.1M | $429.3M | $410.9M | $72.3M | $1.6M | 0.41% | 3.35% | 1.12% | 18,842 |
| Q2 2024 | $508.3M | $436.4M | $412.4M | $72.2M | $1.5M | 0.57% | 3.33% | 1.08% | 18,956 |
Loan mix (Q1 2026): real estate $318.8M · commercial $3.1M · consumer $74.2M · securities $49.8M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.62% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 5.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.48% | 63th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 78.3% | 91th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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