MEMBERS CONNECT
Charter #16584 · MADISON, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.97% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.78% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.06% sits at the 75th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 59th — a 21-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 | MEMBERS CONNECT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.69M | 3th pct | 11th pct |
| Members | 1,619 | 29th pct | 41th pct |
| Net worth ratio | 14.31% | 54th pct | 64th pct |
| Return on average assets | 0.27% | 30th pct | 30th pct |
| Net interest margin | 4.97% | 90th pct | 85th pct |
| Cost of funds | 0.60% | 39th pct | 26th pct |
| Loan-to-share | 76.45% | 80th pct | 59th pct |
| Delinquency 60+ days | 1.78% | 82th pct | 75th pct |
| Net charge-off ratio | 0.16% | 53th pct | 52th pct |
| Loan growth YoY | 1.74% | 81th pct | 82th pct |
| Share growth YoY | 2.60% | 51th pct | 62th pct |
| Efficiency ratio | 93.06% | 79th pct | 75th pct |
structural peer set hash: f2d2588e1bd1099f71fe686fc7f07f05… (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.