ATLANTIC HEALTH EMPLOYEES
Charter #21737 · Summit, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,434 ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.04% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.07% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.19% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 41st percentile but its structural peers at the 57th — a 16-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 | ATLANTIC HEALTH EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.64M | 58th pct | 52th pct |
| Members | 5,434 | 98th pct | 95th pct |
| Net worth ratio | 10.55% | 22th pct | 26th pct |
| Return on average assets | 0.29% | 31th pct | 26th pct |
| Net interest margin | 5.04% | 92th pct | 95th pct |
| Cost of funds | 0.65% | 41th pct | 57th pct |
| Loan-to-share | 40.12% | 22th pct | 34th pct |
| Delinquency 60+ days | 3.07% | 93th pct | 93th pct |
| Net charge-off ratio | -0.19% | 6th pct | 0th pct |
| Loan growth YoY | -8.30% | 12th pct | 26th pct |
| Share growth YoY | -2.73% | 10th pct | 5th pct |
| Efficiency ratio | 87.53% | 68th pct | 72th pct |
structural peer set hash: 71b5b605614dcef76531ad27d4e7d338… (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.