PROPONENT
Charter #20448 · Nutley, NJ · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 18,623 sits at the 7th percentile of structural peers — worth a closer look.
- Net worth ratio of 14.02% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.12% sits at the 13th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.27% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.90% 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 | PROPONENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $518.62M | 6th pct | 23th pct |
| Members | 18,623 | 3th pct | 7th pct |
| Net worth ratio | 14.02% | 88th pct | 90th pct |
| Return on average assets | 0.12% | 9th pct | 13th pct |
| Net interest margin | 3.64% | 63th pct | 52th pct |
| Cost of funds | 1.39% | 43th pct | 34th pct |
| Loan-to-share | 91.04% | 81th pct | 69th pct |
| Delinquency 60+ days | 0.88% | 72th pct | 66th pct |
| Net charge-off ratio | 0.27% | 31th pct | 21th pct |
| Loan growth YoY | -0.38% | 34th pct | 36th pct |
| Share growth YoY | 2.48% | 28th pct | 31th pct |
| Efficiency ratio | 89.90% | 91th pct | 87th pct |
structural peer set hash: b772aeabb7f11e4c0ac4927c3c19a322… (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.