H. E. TELEPHONE
Charter #17569 · Rochelle Park, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.02% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 2.81% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.91% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.98% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.51% sits at the 87th percentile of structural peers — worth a closer look.
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 | H. E. TELEPHONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $46.14M | 95th pct | 54th pct |
| Members | 2,660 | 67th pct | 44th pct |
| Net worth ratio | 15.14% | 61th pct | 64th pct |
| Return on average assets | 0.02% | 18th pct | 20th pct |
| Net interest margin | 2.81% | 12th pct | 23th pct |
| Cost of funds | 1.91% | 88th pct | 89th pct |
| Loan-to-share | 58.73% | 52th pct | 48th pct |
| Delinquency 60+ days | 0.98% | 67th pct | 77th pct |
| Net charge-off ratio | 0.51% | 72th pct | 87th pct |
| Loan growth YoY | -3.34% | 43th pct | 33th pct |
| Share growth YoY | 0.80% | 33th pct | 41th pct |
| Efficiency ratio | 93.92% | 81th pct | 79th pct |
structural peer set hash: b4cad70c8ab5f698ed189b1ba23658e3… (reproducible)
Closest structural peers
This is the free public view
Claim H. E. TELEPHONE
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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.