UNION BUILDING TRADES
Charter #21244 · Parsippany, NJ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 24,437 ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.23% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.32% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.11% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 104.99% 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 | UNION BUILDING TRADES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $84.18M | 75th pct | 59th pct |
| Members | 24,437 | 100th pct | 97th pct |
| Net worth ratio | 12.86% | 50th pct | 59th pct |
| Return on average assets | -0.23% | 9th pct | 11th pct |
| Net interest margin | 3.84% | 57th pct | 74th pct |
| Cost of funds | 0.32% | 14th pct | 13th pct |
| Loan-to-share | 57.54% | 45th pct | 52th pct |
| Delinquency 60+ days | 1.05% | 73th pct | 66th pct |
| Net charge-off ratio | -0.11% | 4th pct | 5th pct |
| Loan growth YoY | 14.98% | 99th pct | 98th pct |
| Share growth YoY | -0.94% | 10th pct | 10th pct |
| Efficiency ratio | 104.99% | 96th pct | 93th pct |
structural peer set hash: 2c6335723fe35bbf5487e4683313c904… (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.