| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -4.0% | +0.9% | -4.9 pts |
| Loan growth (YoY) | -11.0% | -2.6% | -8.4 pts |
| ROA | -0.15% | 0.65% | -0.8 pts |
| ROE | -0.8% | 4.4% | -5.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.6M | $22.4M | $4.9M | $4.7M | $-20K | -0.15% | 2.82% | 1.25% | 1,378 |
| Q1 2026 | $27.9M | $23.6M | $4.8M | $4.6M | $-45K | -0.64% | 2.54% | 0.44% | 1,408 |
| Q4 2025 | $27.7M | $23.3M | $5.2M | $4.7M | $-336K | -1.21% | 2.29% | 1.16% | 1,525 |
| Q3 2025 | $28.0M | $23.7M | $5.4M | $4.8M | $-323K | -1.54% | 2.11% | 2.88% | 1,544 |
| Q2 2025 | $27.5M | $23.3M | $5.5M | $4.9M | $-274K | -2.00% | 2.10% | 2.16% | 1,512 |
| Q1 2025 | $27.5M | $23.4M | $5.3M | $5.0M | $-212K | -3.08% | 1.95% | 2.90% | 1,544 |
| Q4 2024 | $28.2M | $23.8M | $5.8M | $5.2M | $-244K | -0.87% | 1.87% | 5.42% | 1,501 |
| Q3 2024 | $28.7M | $24.2M | $5.9M | $5.3M | $-193K | -0.90% | 1.89% | 3.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.15% | 0.65% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -0.8% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,540 |
| Q2 2024 | $28.5M | $24.6M | $6.0M | $5.4M | $-58K | -0.41% | 1.92% | 4.73% | 1,540 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.8M · securities $21.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 80.6% | 60th |
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: Somerset, NJ, ranked 24th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Somerset, NJ | 1 | $22.4M* | 0.13% | 24th |
New Jersey: 160th with 0.00% · New York-Newark-Jersey City metro: 227th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1