SAKER SHOP RITE
Charter #15370 · HOLMDEL, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,438 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.49% sits at the 15th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.02% sits at the 95th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 66th — 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 | SAKER SHOP RITE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.47M | 83th pct | 75th pct |
| Members | 1,438 | 93th pct | 85th pct |
| Net worth ratio | 25.25% | 76th pct | 74th pct |
| Return on average assets | -0.49% | 22th pct | 15th pct |
| Net interest margin | 3.74% | 40th pct | 66th pct |
| Cost of funds | 0.24% | 34th pct | 34th pct |
| Loan-to-share | 14.52% | 7th pct | 23th pct |
| Delinquency 60+ days | 1.44% | 61th pct | 66th pct |
| Net charge-off ratio | 2.02% | 91th pct | 95th pct |
| Loan growth YoY | -2.71% | 62th pct | 70th pct |
| Share growth YoY | -1.55% | 37th pct | 46th pct |
| Efficiency ratio | 89.64% | 55th pct | 67th pct |
structural peer set hash: be72c3f30d857370d7904b08dd08058d… (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.