CENTRAL JERSEY
Charter #1108 · Woodbridge, NJ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.52% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 72nd — a 20-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 | CENTRAL JERSEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $94.37M | 92th pct | 72th pct |
| Members | 5,939 | 65th pct | 67th pct |
| Net worth ratio | 10.29% | 24th pct | 38th pct |
| Return on average assets | 0.65% | 46th pct | 54th pct |
| Net interest margin | 3.61% | 45th pct | 64th pct |
| Cost of funds | 0.52% | 25th pct | 21th pct |
| Loan-to-share | 52.32% | 34th pct | 33th pct |
| Delinquency 60+ days | 0.73% | 57th pct | 46th pct |
| Net charge-off ratio | 0.08% | 28th pct | 39th pct |
| Loan growth YoY | -2.05% | 44th pct | 44th pct |
| Share growth YoY | 4.35% | 68th pct | 74th pct |
| Efficiency ratio | 85.10% | 66th pct | 52th pct |
structural peer set hash: 7fdc90c86dc3fee40bddfe3ddf1933b3… (reproducible)
Closest structural peers
This is the free public view
Claim CENTRAL JERSEY
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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.