PASSAIC POLICE
Charter #12227 · Passaic, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -3.52% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 3.57% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.51% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.92% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of -247.50% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
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 | PASSAIC POLICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.29M | 82th pct | 48th pct |
| Members | 613 | 52th pct | 30th pct |
| Net worth ratio | 15.28% | 40th pct | 43th pct |
| Return on average assets | -3.52% | 7th pct | 0th pct |
| Net interest margin | 2.98% | 21th pct | 43th pct |
| Cost of funds | 3.57% | 99th pct | 95th pct |
| Loan-to-share | 34.03% | 22th pct | 51th pct |
| Delinquency 60+ days | 1.51% | 62th pct | 77th pct |
| Net charge-off ratio | 0.92% | 86th pct | 87th pct |
| Loan growth YoY | -1.94% | 66th pct | 69th pct |
| Share growth YoY | 3.83% | 75th pct | 70th pct |
| Efficiency ratio | -247.50% | 0th pct | 0th pct |
structural peer set hash: 8f3d3f514ffcc97057640304adeda6bb… (reproducible)
Closest structural peers
This is the free public view
Claim PASSAIC POLICE
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.