THE NEW HAVEN POLICE AND MUNICIPAL
Charter #10729 · New Haven, CT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -3.62% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.14% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 8.43% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 120.19% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 66th percentile but its structural peers at the 31st — a 35-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 | THE NEW HAVEN POLICE AND MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.56M | 66th pct | 31th pct |
| Members | 856 | 74th pct | 48th pct |
| Net worth ratio | 24.13% | 73th pct | 62th pct |
| Return on average assets | -3.62% | 6th pct | 3th pct |
| Net interest margin | 4.33% | 59th pct | 72th pct |
| Cost of funds | 0.14% | 25th pct | 20th pct |
| Loan-to-share | 41.01% | 30th pct | 38th pct |
| Delinquency 60+ days | 0.69% | 46th pct | 41th pct |
| Net charge-off ratio | 8.43% | 98th pct | 95th pct |
| Loan growth YoY | -14.22% | 15th pct | 10th pct |
| Share growth YoY | 3.53% | 74th pct | 84th pct |
| Efficiency ratio | 120.19% | 87th pct | 95th pct |
structural peer set hash: a11cdaee5208a5cfee746526d642f25d… (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.