Ridgedale

East Hanover, NJ · 1 · Charter #5419 · HTTP://WWW.RIDGEDALEFCU.ORG
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
$94.9M
42th percentile
Members
3,709
11th percentile
Total loans
$46.9M
36th percentile
Total shares
$85.9M
46th percentile

Profitability

Return on assets
-0.16%
3th percentile
Net interest margin
3.41%
36th percentile
Efficiency ratio
81.81%
5th percentile
Non-interest income ratio
16.46%
46th percentile

Capital & Risk

Net worth ratio
9.57%
18th percentile
Delinquency rate
1.19%
26th percentile
Net charge-off rate
0.33%
49th percentile
Loan-to-share
54.54%
26th percentile

Growth

Member growth YoY
-5.12%
12th percentile
Asset growth YoY
-4.31%
3th percentile
Loan growth YoY
0.96%
48th percentile
Share growth YoY
-4.87%
4th percentile

Operations

Members / branch
1,855
17th percentile
Assets / member
$25,592
94th percentile
Field of membership penetration
46.36%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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