JERSEY CENTRAL
Charter #2493 · CRANFORD, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,031 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 17.33% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.23% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 4.51% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.77% sits at the 95th 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 | JERSEY CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.22M | 47th pct | 34th pct |
| Members | 4,031 | 91th pct | 93th pct |
| Net worth ratio | 17.33% | 73th pct | 82th pct |
| Return on average assets | -0.23% | 14th pct | 8th pct |
| Net interest margin | 4.51% | 79th pct | 82th pct |
| Cost of funds | 1.70% | 82th pct | 74th pct |
| Loan-to-share | 67.07% | 66th pct | 54th pct |
| Delinquency 60+ days | 2.77% | 92th pct | 95th pct |
| Net charge-off ratio | 0.31% | 63th pct | 77th pct |
| Loan growth YoY | 0.43% | 74th pct | 75th pct |
| Share growth YoY | -0.22% | 25th pct | 26th pct |
| Efficiency ratio | 105.54% | 91th pct | 95th pct |
structural peer set hash: b84804e978484f265a3a45818f5589b2… (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.