I.L.A. LOCAL 1235
Charter #23807 · Newark, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 640 sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 5.69% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.19% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.02% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 96.18% sits at the 77th 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 | I.L.A. LOCAL 1235 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.48M | 83th pct | 48th pct |
| Members | 640 | 54th pct | 18th pct |
| Net worth ratio | 11.84% | 21th pct | 30th pct |
| Return on average assets | 0.23% | 42th pct | 41th pct |
| Net interest margin | 5.69% | 88th pct | 92th pct |
| Cost of funds | 0.19% | 28th pct | 11th pct |
| Loan-to-share | 76.03% | 72th pct | 62th pct |
| Delinquency 60+ days | 0.23% | 34th pct | 36th pct |
| Net charge-off ratio | -0.02% | 19th pct | 23th pct |
| Loan growth YoY | 1.16% | 78th pct | 69th pct |
| Share growth YoY | 6.80% | 87th pct | 89th pct |
| Efficiency ratio | 96.18% | 67th pct | 77th pct |
structural peer set hash: 577e69016b020c6ff980c7e6f9f60bf7… (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.