1ST BERGEN
Charter #24810 · Hackensack, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 27.18% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.71% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.01% sits at the 89th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 43rd — a 38-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 | 1ST BERGEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.28M | 6th pct | 25th pct |
| Members | 1,714 | 33th pct | 59th pct |
| Net worth ratio | 27.18% | 97th pct | 87th pct |
| Return on average assets | 0.82% | 59th pct | 56th pct |
| Net interest margin | 3.66% | 40th pct | 31th pct |
| Cost of funds | 1.61% | 80th pct | 62th pct |
| Loan-to-share | 77.16% | 81th pct | 43th pct |
| Delinquency 60+ days | 3.71% | 95th pct | 89th pct |
| Net charge-off ratio | 1.01% | 86th pct | 89th pct |
| Loan growth YoY | -6.56% | 20th pct | 10th pct |
| Share growth YoY | 6.97% | 86th pct | 84th pct |
| Efficiency ratio | 80.99% | 52th pct | 57th pct |
structural peer set hash: ebab1ef70484a8b589df27eb2c40169c… (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.