ENERGY PEOPLE
Charter #13729 · MEDFORD, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,082 sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.09% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 56th — a 23-point gap showing why the peer definition matters.
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 | ENERGY PEOPLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.17M | 31th pct | 39th pct |
| Members | 1,082 | 8th pct | 20th pct |
| Net worth ratio | 18.39% | 79th pct | 56th pct |
| Return on average assets | 0.21% | 27th pct | 30th pct |
| Net interest margin | 3.84% | 49th pct | 34th pct |
| Cost of funds | 1.78% | 85th pct | 69th pct |
| Loan-to-share | 97.25% | 98th pct | 89th pct |
| Delinquency 60+ days | 0.09% | 21th pct | 13th pct |
| Net charge-off ratio | 0.24% | 59th pct | 70th pct |
| Loan growth YoY | -1.67% | 56th pct | 39th pct |
| Share growth YoY | -0.76% | 21th pct | 21th pct |
| Efficiency ratio | 91.79% | 76th pct | 69th pct |
structural peer set hash: d2348910dbc3e5d940cd49d02e6032f8… (reproducible)
Closest structural peers
This is the free public view
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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.