| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -1.5% | +0.9% | -2.4 pts |
| Loan growth (YoY) | +6.1% | -2.6% | +8.8 pts |
| ROA | 1.32% | 0.65% | +0.7 pts |
| ROE | 6.5% | 4.4% | +2.1 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.1M | $10.3M | $2.1M | $2.6M | $86K | 1.32% | 2.94% | 1.39% | 955 |
| Q1 2026 | $12.5M | $9.8M | $2.1M | $2.6M | $38K | 1.22% | 2.97% | 0.99% | 949 |
| Q4 2025 | $12.5M | $9.9M | $2.1M | $2.6M | $97K | 0.78% | 2.60% | 0.97% | 954 |
| Q3 2025 | $12.7M | $10.1M | $2.0M | $2.5M | $49K | 0.51% | 2.44% | 1.35% | 958 |
| Q2 2025 | $13.0M | $10.4M | $2.0M | $2.5M | $28K | 0.43% | 2.42% | 1.35% | 962 |
| Q1 2025 | $13.0M | $10.5M | $1.9M | $2.5M | $-7K | -0.22% | 2.29% | 1.06% | 956 |
| Q4 2024 | $13.3M | $10.7M | $2.0M | $2.5M | $47K | 0.36% | 2.09% | 2.79% | 954 |
| Q3 2024 | $13.4M | $10.9M | $2.0M | $2.5M | $23K | 0.23% | 1.99% | 0.68% | 951 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.65% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $13.2M | $10.7M | $1.9M | $2.4M | $15K | 0.23% | 1.87% | 0.30% | 947 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 80.6% | 7th |
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: Essex, NJ, ranked 48th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, NJ | 1 | $10.3M* | 0.03% | 48th |
New Jersey: 185th with 0.00% · New York-Newark-Jersey City metro: 253rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1