LOCAL 1233
Charter #20773 · Newark, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 902 sits at the 5th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.56% sits at the 79th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 41st — a 15-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 | LOCAL 1233 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.92M | 17th pct | 21th pct |
| Members | 902 | 4th pct | 5th pct |
| Net worth ratio | 17.89% | 76th pct | 67th pct |
| Return on average assets | 0.77% | 56th pct | 41th pct |
| Net interest margin | 3.78% | 46th pct | 44th pct |
| Cost of funds | 0.87% | 51th pct | 59th pct |
| Loan-to-share | 49.07% | 35th pct | 46th pct |
| Delinquency 60+ days | 0.13% | 24th pct | 26th pct |
| Net charge-off ratio | 0.56% | 74th pct | 79th pct |
| Loan growth YoY | -9.68% | 8th pct | 13th pct |
| Share growth YoY | 1.99% | 44th pct | 41th pct |
| Efficiency ratio | 81.28% | 52th pct | 59th pct |
structural peer set hash: b85575974177d841eab7dc259397d127… (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.