PRINCETON
Charter #21009 · PRINCETON, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.04% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.88% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.76% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 48th — a 22-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 | PRINCETON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $170.73M | 40th pct | 33th pct |
| Members | 8,701 | 23th pct | 36th pct |
| Net worth ratio | 9.83% | 26th pct | 48th pct |
| Return on average assets | 0.04% | 9th pct | 18th pct |
| Net interest margin | 3.88% | 66th pct | 80th pct |
| Cost of funds | 1.28% | 54th pct | 39th pct |
| Loan-to-share | 78.29% | 64th pct | 44th pct |
| Delinquency 60+ days | 0.71% | 58th pct | 49th pct |
| Net charge-off ratio | 0.76% | 82th pct | 92th pct |
| Loan growth YoY | -1.95% | 25th pct | 26th pct |
| Share growth YoY | 0.04% | 10th pct | 23th pct |
| Efficiency ratio | 91.41% | 88th pct | 70th pct |
structural peer set hash: 3d18c1b7a36a3fbfe2f2004f1524a207… (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.