METREX
Charter #14172 · Kenilworth, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 395 sits at the 16th percentile of structural peers — worth a closer look.
- Net worth ratio of 35.66% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.24% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 44th — a 25-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 | METREX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.69M | 48th pct | 25th pct |
| Members | 395 | 34th pct | 16th pct |
| Net worth ratio | 35.66% | 91th pct | 79th pct |
| Return on average assets | 1.14% | 76th pct | 64th pct |
| Net interest margin | 4.68% | 70th pct | 44th pct |
| Cost of funds | 0.24% | 33th pct | 16th pct |
| Loan-to-share | 121.02% | 99th pct | 95th pct |
| Delinquency 60+ days | 0.54% | 43th pct | 48th pct |
| Net charge-off ratio | 0.00% | 22th pct | 31th pct |
| Loan growth YoY | 0.04% | 75th pct | 70th pct |
| Share growth YoY | 1.55% | 61th pct | 61th pct |
| Efficiency ratio | 76.01% | 32th pct | 36th pct |
structural peer set hash: db551005a133d249dada7777c7cd3a40… (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.