NEW COMMUNITY
Charter #24167 · Newark, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,531 ranks in the 97th 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 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 66th — a 41-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 | NEW COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.36M | 45th pct | 41th pct |
| Members | 3,531 | 100th pct | 97th pct |
| Net worth ratio | 12.33% | 24th pct | 31th pct |
| Return on average assets | 0.18% | 40th pct | 36th pct |
| Net interest margin | 3.46% | 31th pct | 51th pct |
| Cost of funds | 0.17% | 27th pct | 34th pct |
| Loan-to-share | 35.41% | 25th pct | 66th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | -4.66% | 53th pct | 51th pct |
| Share growth YoY | 4.61% | 79th pct | 77th pct |
| Efficiency ratio | 98.44% | 70th pct | 74th pct |
structural peer set hash: fdf6a7df2c64d084fcedd81bd292585b… (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.