| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -1.7% | +0.7% | -2.4 pts |
| Loan growth (YoY) | -7.5% | -2.4% | -5.2 pts |
| ROA | 1.37% | 0.60% | +0.8 pts |
| ROE | 11.8% | 4.1% | +7.7 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $81.4M | $70.1M | $21.8M | $9.5M | $280K | 1.37% | 3.87% | 0.15% | 6,470 |
| Q4 2025 | $78.9M | $69.2M | $22.0M | $9.2M | $1.0M | 1.29% | 3.66% | 0.27% | 6,476 |
| Q3 2025 | $79.9M | $69.1M | $22.9M | $8.9M | $723K | 1.21% | 3.53% | 0.24% | 6,535 |
| Q2 2025 | $78.9M | $69.7M | $23.4M | $8.7M | $490K | 1.24% | 3.56% | 0.18% | 6,687 |
| Q1 2025 | $80.9M | $71.4M | $23.5M | $8.4M | $242K | 1.20% | 3.45% | 0.18% | 6,672 |
| Q4 2024 | $81.3M | $72.5M | $24.0M | $8.2M | $834K | 1.03% | 3.05% | 0.37% | 6,672 |
| Q3 2024 | $81.2M | $72.8M | $24.9M | $7.9M | $588K | 0.97% | 2.94% | 0.32% | 6,713 |
| Q2 2024 | $82.1M | $73.3M | $24.9M | $7.8M | $424K | 1.03% | 2.77% | 0.99% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.60% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.1% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,881 |
Loan mix (Q1 2026): real estate $11.4M · commercial $686K · consumer $9.1M · securities $46.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 81.5% | 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.
3 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Middlesex, NJ, ranked 39th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, NJ | 2 | $46.5M* | 0.09% | 39th |
| Essex, NJ | 1 | $23.2M* | 0.08% | 38th |
New Jersey: 127th with 0.02% · New York-Newark-Jersey City metro: 180th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 3 · 2025 3