| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.5% | +1.3% | -10.8 pts |
| Share growth (YoY) | -10.8% | +0.7% | -11.4 pts |
| Loan growth (YoY) | +0.4% | -2.4% | +2.7 pts |
| ROA | 0.09% | 0.60% | -0.5 pts |
| ROE | 0.7% | 4.1% | -3.4 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.6M | $4.9M | $1.1M | $711K | $1K | 0.09% | 3.86% | 1.38% | 795 |
| Q4 2025 | $5.6M | $4.9M | $1.2M | $710K | $5K | 0.08% | 3.91% | 0.08% | 807 |
| Q3 2025 | $5.8M | $5.1M | $1.2M | $705K | $84 | 0.00% | 3.77% | 0.57% | 811 |
| Q2 2025 | $6.2M | $5.5M | $1.1M | $702K | $-3K | -0.10% | 3.59% | 1.64% | 812 |
| Q1 2025 | $6.2M | $5.5M | $1.1M | $712K | $6K | 0.41% | 4.08% | 1.98% | 825 |
| Q4 2024 | $6.1M | $5.4M | $1.2M | $705K | $13K | 0.21% | 4.03% | 1.14% | 843 |
| Q3 2024 | $6.3M | $5.6M | $1.2M | $704K | $11K | 0.24% | 4.15% | 1.79% | 840 |
| Q2 2024 | $6.7M | $6.0M | $1.1M | $733K | $40K | 1.20% | 4.31% | 5.73% | 839 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $966K · securities $4.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.7% | 81.5% | 82nd |
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 2024). Biggest market: Bergen, NJ, ranked 49th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bergen, NJ | 1 | $5.5M* | 0.01% | 49th |
New Jersey: 208th with 0.00% · New York-Newark-Jersey City metro: 278th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1