N. J. LATVIAN
Charter #20463 · Freehold, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 130 sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of -0.49% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 1.06% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.80% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 143.97% sits at the 93rd 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 | N. J. LATVIAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.94M | 59th pct | 41th pct |
| Members | 130 | 7th pct | 0th pct |
| Net worth ratio | 15.52% | 42th pct | 52th pct |
| Return on average assets | -0.49% | 22th pct | 16th pct |
| Net interest margin | 1.06% | 2th pct | 2th pct |
| Cost of funds | 2.80% | 95th pct | 95th pct |
| Loan-to-share | 8.35% | 5th pct | 8th pct |
| Delinquency 60+ days | 1.66% | 63th pct | 57th pct |
| Net charge-off ratio | 0.00% | 22th pct | 28th pct |
| Loan growth YoY | 16.70% | 95th pct | 98th pct |
| Share growth YoY | -14.08% | 4th pct | 3th pct |
| Efficiency ratio | 143.97% | 93th pct | 93th pct |
structural peer set hash: baab87d0114eb7556122325e952b0d20… (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.