| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.9% | +1.3% | -11.2 pts |
| Share growth (YoY) | -18.3% | +0.9% | -19.2 pts |
| Loan growth (YoY) | +4.0% | -2.6% | +6.6 pts |
| ROA | 0.57% | 0.65% | -0.1 pts |
| ROE | 1.1% | 4.4% | -3.2 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.6M | $1.3M | $616K | $1.3M | $7K | 0.57% | 3.87% | 0.00% | 232 |
| Q1 2026 | $2.7M | $1.4M | $602K | $1.3M | $8K | 1.23% | 3.65% | 0.00% | 241 |
| Q4 2025 | $2.8M | $1.5M | $605K | $1.3M | $19K | 0.67% | 3.20% | 0.00% | 247 |
| Q3 2025 | $2.8M | $1.5M | $594K | $1.3M | $13K | 0.61% | 2.94% | 0.00% | 259 |
| Q2 2025 | $2.8M | $1.5M | $592K | $1.3M | $9K | 0.63% | 2.82% | 0.00% | 260 |
| Q1 2025 | $2.9M | $1.6M | $576K | $1.3M | $4K | 0.59% | 2.71% | 1.43% | 276 |
| Q4 2024 | $2.9M | $1.7M | $597K | $1.2M | $-9K | -0.29% | 2.57% | 1.50% | 289 |
| Q3 2024 | $3.0M | $1.8M | $492K | $1.2M | $-9K | -0.40% | 2.46% | 1.68% | 298 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.65% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.0M |
| $1.8M |
| $517K |
| $1.2M |
| $-13K |
| -0.84% |
| 2.42% |
| 1.61% |
| 303 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $616K · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 80.6% | 26th |
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: Mercer, NJ, ranked 40th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mercer, NJ | 1 | $1.3M* | 0.01% | 40th |
New Jersey: 228th with 0.00% · Trenton-Princeton metro: 40th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1