COUNTY EXCELLENCE
Charter #120 · Roselle Park, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.52% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 4.10% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.24% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.70% sits at the 84th percentile of structural peers — worth a closer look.
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 | COUNTY EXCELLENCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $134.03M | 22th pct | 30th pct |
| Members | 8,701 | 23th pct | 26th pct |
| Net worth ratio | 8.52% | 8th pct | 11th pct |
| Return on average assets | 0.85% | 60th pct | 54th pct |
| Net interest margin | 4.10% | 76th pct | 82th pct |
| Cost of funds | 1.20% | 49th pct | 57th pct |
| Loan-to-share | 58.22% | 24th pct | 34th pct |
| Delinquency 60+ days | 1.24% | 84th pct | 87th pct |
| Net charge-off ratio | 0.70% | 78th pct | 84th pct |
| Loan growth YoY | 7.03% | 94th pct | 97th pct |
| Share growth YoY | 8.65% | 94th pct | 89th pct |
| Efficiency ratio | 75.21% | 39th pct | 38th pct |
structural peer set hash: b94ef9facd20f84395345763efeca32d… (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.