TERMINALS
Charter #17969 · CARTERET, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 83 sits at the 0th percentile of structural peers — worth a closer look.
- Net worth ratio of 37.04% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 4.19% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.79% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.00% 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 | TERMINALS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 964,175 | 16th pct | 8th pct |
| Members | 83 | 2th pct | 0th pct |
| Net worth ratio | 37.04% | 92th pct | 75th pct |
| Return on average assets | 4.19% | 98th pct | 93th pct |
| Net interest margin | 6.79% | 96th pct | 82th pct |
| Cost of funds | 0.90% | 62th pct | 51th pct |
| Loan-to-share | 137.24% | 100th pct | 98th pct |
| Delinquency 60+ days | 4.00% | 83th pct | 87th pct |
| Net charge-off ratio | -0.18% | 11th pct | 16th pct |
| Loan growth YoY | 7.35% | 91th pct | 90th pct |
| Share growth YoY | 5.08% | 81th pct | 85th pct |
| Efficiency ratio | 39.81% | 5th pct | 3th pct |
structural peer set hash: 574650d895ebd0c6ecf1f407624ea949… (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.