Members 1st of NJ
Vineland, NJ · Charter 2574 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$134.2MAssets
$57.8MLoans
$121.0MShares
$12.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 58% of credit unions under $1B in assets (rank 710 of 1681).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets (rank 1417 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.64%
Rank 964 of 1,683
Net Interest Margin
3.72%
Rank 921 of 1,683
Efficiency Ratio
85.63%
Rank 1,204 of 1,682
Equity / Assets
9.57%
Rank 1,417 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.35% | 0.74% | 1.18% | Beats 43% | 964 / 1,683 | | |
| Return on Equity | 6.70% | 2.67% | 5.89% | 8.74% | Beats 58% | 710 / 1,681 | | |
| Net Interest Margin | 3.72% | 3.31% | 3.82% | 4.32% | Beats 45% | 921 / 1,683 | | |
| Efficiency Ratio | 85.63% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,204 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.26% | 0.65% | 1.29% | Beats 50% | 837 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.57% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,417 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.57% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,417 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.78% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,358 / 1,683 | | |
| Loans / Assets | 43.08% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,296 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |