GAF LINDEN EMPLOYEES
Charter #2348 · Parsippany, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -6.91% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 2.95% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 0.13% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 31.32% sits at the 98th 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 | GAF LINDEN EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.21M | 52th pct | 31th pct |
| Members | 477 | 41th pct | 28th pct |
| Net worth ratio | 16.80% | 48th pct | 51th pct |
| Return on average assets | -6.91% | 3th pct | 2th pct |
| Net interest margin | 2.95% | 20th pct | 25th pct |
| Cost of funds | 0.13% | 24th pct | 23th pct |
| Loan-to-share | 26.47% | 16th pct | 36th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 31.32% | 100th pct | 98th pct |
| Loan growth YoY | -15.29% | 13th pct | 16th pct |
| Share growth YoY | -6.03% | 14th pct | 10th pct |
| Efficiency ratio | 108.63% | 80th pct | 79th pct |
structural peer set hash: 8bed2b1bbdb14521e32d5e01d70e8e36… (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.