1st Bergen

Hackensack, NJ · 1 · Charter #24810 · www.1stbergen.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$10.6M
43th percentile
Members
1,697
58th percentile
Total loans
$5.6M
47th percentile
Total shares
$5.9M
33th percentile

Profitability

Return on assets
1.56%
81th percentile
Net interest margin
4.01%
51th percentile
Efficiency ratio
74.02%
35th percentile
Non-interest income ratio
54.44%
98th percentile

Capital & Risk

Net worth ratio
28.81%
91th percentile
Delinquency rate
4.48%
9th percentile
Net charge-off rate
1.05%
16th percentile
Loan-to-share
94.63%
91th percentile

Growth

Member growth YoY
1.62%
81th percentile
Asset growth YoY
-1.04%
36th percentile
Loan growth YoY
-9.72%
25th percentile
Share growth YoY
-5.39%
19th percentile

Operations

Members / branch
566
26th percentile
Assets / member
$6,223
25th percentile
Field of membership penetration
0.19%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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