P S E
Charter #12175 · Somerset, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.01% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 1.58% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 3.33% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.37% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.65% sits at the 95th 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 | P S E | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.05M | 13th pct | 48th pct |
| Members | 1,321 | 18th pct | 39th pct |
| Net worth ratio | 14.21% | 54th pct | 46th pct |
| Return on average assets | -0.01% | 17th pct | 13th pct |
| Net interest margin | 1.58% | 1th pct | 0th pct |
| Cost of funds | 3.33% | 99th pct | 97th pct |
| Loan-to-share | 64.66% | 61th pct | 54th pct |
| Delinquency 60+ days | 2.37% | 89th pct | 93th pct |
| Net charge-off ratio | 1.65% | 92th pct | 95th pct |
| Loan growth YoY | -3.03% | 45th pct | 46th pct |
| Share growth YoY | 7.86% | 90th pct | 84th pct |
| Efficiency ratio | 90.15% | 73th pct | 77th pct |
structural peer set hash: 07b25705fb0a3e4ea18f8eb8157d466a… (reproducible)
Closest structural peers
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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.