| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +5.7% | +0.9% | +4.8 pts |
| Loan growth (YoY) | -5.5% | -2.6% | -2.9 pts |
| ROA | 2.03% | 0.65% | +1.4 pts |
| ROE | 8.4% | 4.4% | +4.0 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.0M | $9.1M | $3.9M | $2.9M | $122K | 2.03% | 4.54% | 0.13% | 1,249 |
| Q1 2026 | $11.8M | $8.9M | $3.9M | $2.9M | $61K | 2.07% | 4.55% | 0.20% | 1,224 |
| Q4 2025 | $11.6M | $8.7M | $4.2M | $2.8M | $184K | 1.59% | 4.67% | 0.17% | 1,226 |
| Q3 2025 | $11.4M | $8.6M | $4.4M | $2.7M | $121K | 1.42% | 4.68% | 0.03% | 1,217 |
| Q2 2025 | $11.3M | $8.6M | $4.1M | $2.7M | $59K | 1.04% | 4.62% | 0.15% | 1,227 |
| Q1 2025 | $11.2M | $8.5M | $3.9M | $2.6M | $10K | 0.34% | 4.52% | 0.18% | 1,255 |
| Q4 2024 | $11.1M | $8.5M | $3.8M | $2.6M | $165K | 1.48% | 4.21% | 0.43% | 1,260 |
| Q3 2024 | $11.2M | $8.6M | $3.8M | $2.6M | $128K | 1.52% | 4.02% | 0.52% | 1,298 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.03% | 0.65% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.4M | $8.9M | $3.7M | $2.5M | $70K | 1.22% | 3.69% | 0.08% | 1,304 |
Loan mix (Q2 2026): real estate $22K · commercial $0 · consumer $3.8M · securities $6.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 80.6% | 12th |
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: Union, NJ, ranked 43rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Union, NJ | 1 | $9.1M* | 0.03% | 43rd |
New Jersey: 187th with 0.00% · New York-Newark-Jersey City metro: 257th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1