UNION COUNTY EMPLOYEES
Charter #14329 · Elizabeth, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.60% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.02% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.22% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 44th — a 33-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 | UNION COUNTY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.78M | 78th pct | 44th pct |
| Members | 1,001 | 83th pct | 64th pct |
| Net worth ratio | 22.77% | 68th pct | 64th pct |
| Return on average assets | 0.73% | 62th pct | 48th pct |
| Net interest margin | 5.60% | 86th pct | 95th pct |
| Cost of funds | 0.02% | 13th pct | 10th pct |
| Loan-to-share | 30.81% | 20th pct | 39th pct |
| Delinquency 60+ days | 1.43% | 61th pct | 66th pct |
| Net charge-off ratio | 0.22% | 77th pct | 77th pct |
| Loan growth YoY | -10.33% | 27th pct | 23th pct |
| Share growth YoY | -3.07% | 26th pct | 33th pct |
| Efficiency ratio | 87.39% | 53th pct | 62th pct |
structural peer set hash: c8b0bcba876ad0fe88e56c180fe0a491… (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.