KEARNY MUNICIPAL EMPLOYEES
Charter #10614 · kearny, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 26.47% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.12% sits at the 11th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 34th — a 24-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 | KEARNY MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.49M | 65th pct | 51th pct |
| Members | 699 | 61th pct | 59th pct |
| Net worth ratio | 26.47% | 79th pct | 80th pct |
| Return on average assets | 0.25% | 44th pct | 38th pct |
| Net interest margin | 2.12% | 8th pct | 11th pct |
| Cost of funds | 1.19% | 71th pct | 67th pct |
| Loan-to-share | 19.56% | 10th pct | 34th pct |
| Delinquency 60+ days | 1.31% | 58th pct | 59th pct |
| Net charge-off ratio | 0.00% | 22th pct | 30th pct |
| Loan growth YoY | -1.45% | 68th pct | 74th pct |
| Share growth YoY | -14.57% | 3th pct | 2th pct |
| Efficiency ratio | 88.02% | 53th pct | 59th pct |
structural peer set hash: 77a3da99255224ea99b4e53e23034c09… (reproducible)
Closest structural peers
This is the free public view
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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.