JERSEY SHORE
Charter #15483 · Northfield, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.48% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.82% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.48% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 80th — a 19-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 | JERSEY SHORE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $247.12M | 63th pct | 66th pct |
| Members | 16,123 | 64th pct | 74th pct |
| Net worth ratio | 9.48% | 21th pct | 23th pct |
| Return on average assets | 0.92% | 65th pct | 62th pct |
| Net interest margin | 3.82% | 61th pct | 80th pct |
| Cost of funds | 0.48% | 18th pct | 18th pct |
| Loan-to-share | 56.10% | 20th pct | 33th pct |
| Delinquency 60+ days | 0.35% | 26th pct | 31th pct |
| Net charge-off ratio | 0.13% | 23th pct | 31th pct |
| Loan growth YoY | 0.86% | 55th pct | 61th pct |
| Share growth YoY | 0.66% | 14th pct | 13th pct |
| Efficiency ratio | 78.28% | 49th pct | 48th pct |
structural peer set hash: e0f5cd1ffca60e6582cf57b8d137cc35… (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.