| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +1.3% | -5.1 pts |
| Share growth (YoY) | -7.5% | +0.9% | -8.4 pts |
| Loan growth (YoY) | -13.9% | -2.6% | -11.3 pts |
| ROA | 0.68% | 0.65% | +0.0 pts |
| ROE | 1.7% | 4.4% | -2.7 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.1M | $4.3M | $716K | $2.8M | $24K | 0.68% | 4.27% | 1.89% | 608 |
| Q1 2026 | $7.2M | $4.3M | $735K | $2.8M | $15K | 0.86% | 4.17% | 0.00% | 614 |
| Q4 2025 | $7.4M | $4.5M | $809K | $2.8M | $122K | 1.65% | 4.40% | 0.00% | 633 |
| Q3 2025 | $7.3M | $4.5M | $801K | $2.8M | $107K | 1.96% | 4.58% | 0.56% | 654 |
| Q2 2025 | $7.4M | $4.7M | $832K | $2.7M | $74K | 1.99% | 4.42% | 0.56% | 659 |
| Q1 2025 | $7.5M | $4.8M | $805K | $2.7M | $34K | 1.83% | 4.48% | 0.00% | 664 |
| Q4 2024 | $7.8M | $5.1M | $813K | $2.7M | $82K | 1.05% | 3.91% | 0.00% | 674 |
| Q3 2024 | $7.8M | $5.1M | $788K | $2.7M | $58K | 1.00% | 3.74% | 0.94% | 688 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.9M | $5.3M | $779K | $2.6M | $36K | 0.92% | 3.46% | 3.05% | 703 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $712K · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 80.6% | 45th |
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: Ocean, NJ, ranked 27th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ocean, NJ | 1 | $4.3M* | 0.02% | 27th |
New Jersey: 213th with 0.00% · New York-Newark-Jersey City metro: 290th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1