Terminals

CARTERET, NJ · 1 · Charter #17969
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
$925.0K
6th percentile
Members
75
1th percentile
Total loans
$803.2K
12th percentile
Total shares
$565.4K
6th percentile

Profitability

Return on assets
2.42%
96th percentile
Net interest margin
6.50%
97th percentile
Efficiency ratio
51.57%
81th percentile
Non-interest income ratio
2.74%
23th percentile

Capital & Risk

Net worth ratio
37.54%
96th percentile
Delinquency rate
2.31%
21th percentile
Net charge-off rate
-0.44%
98th percentile
Loan-to-share
142.06%
99th percentile

Growth

Member growth YoY
0.00%
66th percentile
Asset growth YoY
5.03%
74th percentile
Loan growth YoY
20.39%
96th percentile
Share growth YoY
4.70%
73th percentile

Operations

Members / branch
75
2th percentile
Assets / member
$12,333
73th percentile
Field of membership penetration
60.00%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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