MANVILLE AREA
Charter #2168 · MANVILLE, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.01% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 95.03% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 30th — a 31-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 | MANVILLE AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.79M | 61th pct | 30th pct |
| Members | 1,862 | 41th pct | 34th pct |
| Net worth ratio | 11.84% | 34th pct | 52th pct |
| Return on average assets | 0.16% | 24th pct | 26th pct |
| Net interest margin | 3.03% | 17th pct | 30th pct |
| Cost of funds | 1.02% | 59th pct | 44th pct |
| Loan-to-share | 58.91% | 52th pct | 49th pct |
| Delinquency 60+ days | 0.01% | 11th pct | 13th pct |
| Net charge-off ratio | -0.01% | 21th pct | 18th pct |
| Loan growth YoY | 2.58% | 85th pct | 77th pct |
| Share growth YoY | 0.86% | 34th pct | 39th pct |
| Efficiency ratio | 95.03% | 83th pct | 79th pct |
structural peer set hash: e937a474986dca994503532b2e675b95… (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.