NOVA UA
Charter #13439 · Clifton, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,696 sits at the 5th percentile of structural peers — worth a closer look.
- Net worth ratio of 13.85% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.26% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.27% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.35% ranks in the 23rd 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 | NOVA UA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $155.25M | 33th pct | 36th pct |
| Members | 3,696 | 1th pct | 5th pct |
| Net worth ratio | 13.85% | 78th pct | 84th pct |
| Return on average assets | 0.27% | 20th pct | 30th pct |
| Net interest margin | 2.26% | 2th pct | 3th pct |
| Cost of funds | 2.27% | 94th pct | 77th pct |
| Loan-to-share | 74.54% | 55th pct | 38th pct |
| Delinquency 60+ days | 0.35% | 26th pct | 23th pct |
| Net charge-off ratio | -0.01% | 3th pct | 13th pct |
| Loan growth YoY | -3.71% | 12th pct | 7th pct |
| Share growth YoY | 3.49% | 50th pct | 54th pct |
| Efficiency ratio | 90.91% | 87th pct | 79th pct |
structural peer set hash: afbc39b3dcff4034c401e819837b67d0… (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.