Raritan Bay

Sayreville, NJ · 1 · Charter #4726 · www.rbfcu.coop
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$104.8M
49th percentile
Members
7,545
50th percentile
Total loans
$35.9M
21th percentile
Total shares
$96.0M
53th percentile

Profitability

Return on assets
1.24%
64th percentile
Net interest margin
3.71%
53th percentile
Efficiency ratio
66.02%
39th percentile
Non-interest income ratio
15.47%
41th percentile

Capital & Risk

Net worth ratio
8.42%
6th percentile
Delinquency rate
0.72%
50th percentile
Net charge-off rate
0.33%
50th percentile
Loan-to-share
37.38%
6th percentile

Growth

Member growth YoY
-16.10%
1th percentile
Asset growth YoY
3.08%
43th percentile
Loan growth YoY
2.78%
58th percentile
Share growth YoY
0.87%
29th percentile

Operations

Members / branch
7,545
95th percentile
Assets / member
$13,888
46th percentile
Field of membership penetration
0.83%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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