FORT BILLINGS
Charter #1167 · PAULSBORO, NJ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.26% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of -0.06% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.39% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 97.32% sits at the 84th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 54th — a 16-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 | FORT BILLINGS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $64.61M | 36th pct | 33th pct |
| Members | 3,450 | 17th pct | 26th pct |
| Net worth ratio | 9.26% | 13th pct | 13th pct |
| Return on average assets | -0.06% | 12th pct | 15th pct |
| Net interest margin | 3.54% | 41th pct | 46th pct |
| Cost of funds | 0.39% | 17th pct | 16th pct |
| Loan-to-share | 53.77% | 38th pct | 54th pct |
| Delinquency 60+ days | 0.84% | 65th pct | 59th pct |
| Net charge-off ratio | 0.30% | 56th pct | 62th pct |
| Loan growth YoY | -4.08% | 26th pct | 10th pct |
| Share growth YoY | 1.13% | 31th pct | 34th pct |
| Efficiency ratio | 97.32% | 92th pct | 84th pct |
structural peer set hash: 6e976aadb3bd5aa08dd47e09acac84a8… (reproducible)
Closest structural peers
This is the free public view
Claim FORT BILLINGS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.