| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.1% | +1.4 pts |
| Share growth (YoY) | +6.9% | +3.5% | +3.4 pts |
| Loan growth (YoY) | +16.5% | +2.9% | +13.6 pts |
| ROA | 0.14% | 0.74% | -0.6 pts |
| ROE | 1.0% | 6.5% | -5.5 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $109.6M | $94.8M | $51.2M | $14.4M | $74K | 0.14% | 3.35% | 0.50% | 5,801 |
| Q1 2026 | $108.3M | $93.7M | $48.5M | $14.3M | $6K | 0.02% | 3.30% | 0.75% | 5,698 |
| Q4 2025 | $106.1M | $90.5M | $46.9M | $14.3M | $452K | 0.43% | 3.19% | 0.36% | 5,636 |
| Q3 2025 | $101.9M | $86.3M | $45.3M | $14.2M | $387K | 0.51% | 3.31% | 0.88% | 5,636 |
| Q2 2025 | $103.9M | $88.7M | $44.0M | $14.1M | $255K | 0.49% | 3.18% | 0.74% | 5,558 |
| Q1 2025 | $100.3M | $85.3M | $42.8M | $13.9M | $78K | 0.31% | 3.20% | 0.66% | 5,457 |
| Q4 2024 | $97.3M | $81.6M | $45.0M | $13.9M | $1.1M | 1.15% | 3.21% | 1.56% | 5,451 |
| Q3 2024 | $95.4M | $79.6M | $45.8M | $13.6M | $842K | 1.18% | 3.24% | 0.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.74% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 6.5% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 5,454 |
| Q2 2024 | $93.7M | $78.7M | $47.0M | $13.4M | $645K | 1.38% | 3.22% | 0.85% | 5,464 |
Loan mix (Q2 2026): real estate $20.1M · commercial $0 · consumer $30.6M · securities $34.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.4% | 77.5% | 96th |
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.
4 branches in 3 counties across 2 states (+1 vs 2025). Biggest market: Union, NJ, ranked 35th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Union, NJ | 2 | $47.4M* | 0.18% | 35th |
| Hudson, NJ | 1 | $23.7M* | 0.05% | 32nd |
| Collin, TX | 1 | $23.7M* | 0.05% | 89th |
New Jersey: 129th with 0.02% · Texas: 706th with 0.00% · New York-Newark-Jersey City metro: 187th, 0.00% · Dallas-Fort Worth-Arlington metro: 226th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4