NEW JERSEY STATE PBA
Charter #24958 · Woodbridge, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.65% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 4.51% ranks in the 77th 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.
- Efficiency ratio of 133.11% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 25th — a 56-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 JERSEY STATE PBA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.12M | 81th pct | 25th pct |
| Members | 1,074 | 85th pct | 30th pct |
| Net worth ratio | 16.13% | 44th pct | 67th pct |
| Return on average assets | -1.65% | 12th pct | 2th pct |
| Net interest margin | 4.51% | 65th pct | 77th pct |
| Cost of funds | 0.92% | 63th pct | 51th pct |
| Loan-to-share | 32.48% | 21th pct | 15th pct |
| Delinquency 60+ days | 0.25% | 35th pct | 31th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | 35.10% | 97th pct | 93th pct |
| Share growth YoY | 48.57% | 99th pct | 92th pct |
| Efficiency ratio | 133.11% | 91th pct | 92th pct |
structural peer set hash: e907a4484673528a9793d9e833bdffbf… (reproducible)
Closest structural peers
This is the free public view
Claim NEW JERSEY STATE PBA
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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.