Mercer County NJ Teachers
Hamilton Square, NJ · Charter 1351 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$52.2MAssets
$23.7MLoans
$44.8MShares
$7.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of credit unions under $1B in assets (rank 43 of 1682).
- Widest gap: nonperforming loans / loans trails 90% of credit unions under $1B in assets (rank 1520 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.97%
Rank 82 of 1,683
Net Interest Margin
3.45%
Rank 1,161 of 1,683
Efficiency Ratio
46.37%
Rank 43 of 1,682
Equity / Assets
14.21%
Rank 641 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.97% | 0.35% | 0.74% | 1.18% | Beats 95% | 82 / 1,683 | |
| Return on Equity | 13.90% | 2.67% | 5.89% | 8.74% | Beats 96% | 72 / 1,681 | |
| Net Interest Margin | 3.45% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,161 / 1,683 | |
| Efficiency Ratio | 46.37% | 68.91% | 78.20% | 86.93% | Beats 98% | 43 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.62% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,520 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.21% | 10.44% | 12.89% | 16.53% | Beats 62% | 641 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.21% | 10.44% | 12.89% | 16.53% | Beats 62% | 641 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 52.96% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,253 / 1,683 | |
| Loans / Assets | 45.44% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,247 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |