HEARD A.M.E.
Charter #23615 · ROSELLE, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.44% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 2.60% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.08% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 17th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 56.77% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
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 | HEARD A.M.E. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 174,199 | 3th pct | 18th pct |
| Members | 189 | 14th pct | 48th pct |
| Net worth ratio | 8.44% | 7th pct | 13th pct |
| Return on average assets | 2.60% | 94th pct | 84th pct |
| Net interest margin | 5.08% | 79th pct | 82th pct |
| Cost of funds | 0.03% | 13th pct | 52th pct |
| Loan-to-share | 28.64% | 18th pct | 75th pct |
| Delinquency 60+ days | 2.88% | 76th pct | 62th pct |
| Net charge-off ratio | 0.00% | 22th pct | 17th pct |
| Loan growth YoY | -20.87% | 6th pct | 23th pct |
| Share growth YoY | -12.16% | 5th pct | 11th pct |
| Efficiency ratio | 56.77% | 13th pct | 23th pct |
structural peer set hash: c22666719765a8ebad0e5d7508fb0676… (reproducible)
Closest structural peers
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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.