PEOPLES TRANSPORT
Charter #12956 · MOUNT EPHRAIM, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.83% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 3.38% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 2.59% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.16% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 121.74% sits at the 97th 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 | PEOPLES TRANSPORT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.63M | 8th pct | 13th pct |
| Members | 1,624 | 29th pct | 31th pct |
| Net worth ratio | 10.19% | 20th pct | 33th pct |
| Return on average assets | -0.83% | 7th pct | 13th pct |
| Net interest margin | 3.38% | 29th pct | 7th pct |
| Cost of funds | 2.59% | 96th pct | 98th pct |
| Loan-to-share | 65.77% | 63th pct | 39th pct |
| Delinquency 60+ days | 1.22% | 72th pct | 52th pct |
| Net charge-off ratio | -0.16% | 7th pct | 7th pct |
| Loan growth YoY | 13.04% | 99th pct | 98th pct |
| Share growth YoY | -1.92% | 13th pct | 21th pct |
| Efficiency ratio | 121.74% | 98th pct | 97th pct |
structural peer set hash: 9a57121783dbfd2c416856d98442d1bf… (reproducible)
Closest structural peers
This is the free public view
Claim PEOPLES TRANSPORT
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.