GOYA FOODS EMPLOYEES
Charter #23678 · Jersey City, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.46% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.25% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.97% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 35.79% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 6th percentile but its structural peers at the 67th — a 62-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 | GOYA FOODS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.21M | 6th pct | 67th pct |
| Members | 642 | 1th pct | 44th pct |
| Net worth ratio | 22.24% | 90th pct | 64th pct |
| Return on average assets | 1.46% | 85th pct | 89th pct |
| Net interest margin | 2.25% | 3th pct | 20th pct |
| Cost of funds | 1.97% | 89th pct | 82th pct |
| Loan-to-share | 12.68% | 1th pct | 18th pct |
| Delinquency 60+ days | 0.04% | 14th pct | 31th pct |
| Net charge-off ratio | 0.00% | 23th pct | 28th pct |
| Loan growth YoY | 6.10% | 94th pct | 90th pct |
| Share growth YoY | -1.44% | 16th pct | 44th pct |
| Efficiency ratio | 35.79% | 1th pct | 3th pct |
structural peer set hash: 2bfc3830b4136f699919de05801b8c1e… (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.