WAKEFERN
Charter #15016 · Elizabeth, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 24.36% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.09% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.59% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.04% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 33rd — a 24-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 | WAKEFERN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.77M | 9th pct | 33th pct |
| Members | 1,224 | 13th pct | 36th pct |
| Net worth ratio | 24.36% | 93th pct | 84th pct |
| Return on average assets | 2.09% | 95th pct | 92th pct |
| Net interest margin | 4.59% | 81th pct | 84th pct |
| Cost of funds | 0.04% | 3th pct | 3th pct |
| Loan-to-share | 43.90% | 27th pct | 21th pct |
| Delinquency 60+ days | 0.20% | 29th pct | 38th pct |
| Net charge-off ratio | 0.09% | 46th pct | 64th pct |
| Loan growth YoY | -10.67% | 5th pct | 7th pct |
| Share growth YoY | 3.11% | 57th pct | 62th pct |
| Efficiency ratio | 60.43% | 12th pct | 28th pct |
structural peer set hash: db1ff6d07af95b68fa3fb9830b3a5427… (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.