NJ GATEWAY
Charter #19454 · Dayton, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.70% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.14% ranks in the 12th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 30th — a 27-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 | NJ GATEWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.02M | 56th pct | 30th pct |
| Members | 2,368 | 59th pct | 41th pct |
| Net worth ratio | 9.70% | 16th pct | 20th pct |
| Return on average assets | 0.45% | 39th pct | 51th pct |
| Net interest margin | 3.24% | 24th pct | 46th pct |
| Cost of funds | 0.41% | 26th pct | 31th pct |
| Loan-to-share | 15.32% | 1th pct | 3th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.14% | 8th pct | 12th pct |
| Loan growth YoY | -12.24% | 4th pct | 8th pct |
| Share growth YoY | 0.21% | 28th pct | 18th pct |
| Efficiency ratio | 85.66% | 64th pct | 54th pct |
structural peer set hash: 722c3e2b87f8474febe8f13e544b9050… (reproducible)
Closest structural peers
This is the free public view
Claim NJ GATEWAY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.