Merck Employees
Rahway, NJ · Charter 1454 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 3 branches
Q2 2026
$1.7BAssets
$226.0MLoans
$1.2BShares
$260.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions $1B-$10B in assets (rank 2 of 435).
- Widest gap: net interest margin trails 99% of credit unions $1B-$10B in assets (rank 432 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.77%
Rank 235 of 435
Net Interest Margin
1.17%
Rank 432 of 435
Efficiency Ratio
39.80%
Rank 2 of 435
Equity / Assets
15.45%
Rank 32 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.55% | 0.81% | 1.14% | Beats 46% | 235 / 435 | |
| Return on Equity | 4.98% | 5.12% | 7.41% | 9.70% | Beats 24% | 332 / 435 | |
| Net Interest Margin | 1.17% | 3.01% | 3.39% | 3.75% | Beats 1% | 432 / 435 | |
| Efficiency Ratio | 39.80% | 65.25% | 71.39% | 77.86% | Beats 100% | 2 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.45% | 0.69% | 1.05% | Beats 91% | 41 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.45% | 9.81% | 10.84% | 12.63% | Beats 93% | 32 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.45% | 9.81% | 10.84% | 12.63% | Beats 93% | 32 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 18.32% | 78.33% | 88.38% | 95.61% | 0th pctl | 434 / 435 | |
| Loans / Assets | 13.41% | 67.69% | 74.58% | 80.80% | 0th pctl | 435 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |