NORTH JERSEY
Charter #1015 · Totowa, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 27,820 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.79% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.39% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 80th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NORTH JERSEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $256.72M | 65th pct | 57th pct |
| Members | 27,820 | 92th pct | 92th pct |
| Net worth ratio | 10.39% | 33th pct | 38th pct |
| Return on average assets | 0.79% | 56th pct | 62th pct |
| Net interest margin | 3.79% | 59th pct | 80th pct |
| Cost of funds | 0.39% | 16th pct | 11th pct |
| Loan-to-share | 63.92% | 34th pct | 48th pct |
| Delinquency 60+ days | 0.77% | 63th pct | 56th pct |
| Net charge-off ratio | 0.39% | 53th pct | 72th pct |
| Loan growth YoY | -2.51% | 20th pct | 23th pct |
| Share growth YoY | 3.45% | 50th pct | 51th pct |
| Efficiency ratio | 80.80% | 58th pct | 49th pct |
structural peer set hash: 8f8ea354054877ad7aa0293f54668f95… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.