MERCER COUNTY NJ TEACHERS
Charter #1351 · HAMILTON SQUARE, NJ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.55% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.95% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.99% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.02% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 46.89% ranks in the 3rd 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 | MERCER COUNTY NJ TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $50.68M | 2th pct | 13th pct |
| Members | 3,703 | 23th pct | 36th pct |
| Net worth ratio | 14.55% | 66th pct | 80th pct |
| Return on average assets | 1.95% | 94th pct | 95th pct |
| Net interest margin | 3.57% | 42th pct | 54th pct |
| Cost of funds | 1.26% | 68th pct | 74th pct |
| Loan-to-share | 52.52% | 35th pct | 44th pct |
| Delinquency 60+ days | 1.99% | 93th pct | 97th pct |
| Net charge-off ratio | -0.02% | 9th pct | 8th pct |
| Loan growth YoY | -2.26% | 42th pct | 38th pct |
| Share growth YoY | 5.83% | 80th pct | 77th pct |
| Efficiency ratio | 46.89% | 2th pct | 3th pct |
structural peer set hash: f85b712b598e97ee6e2b4def87ce31ea… (reproducible)
Closest structural peers
This is the free public view
Claim MERCER COUNTY NJ TEACHERS
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.