MEMBERS 1ST OF NJ
Charter #2574 · Vineland, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.80% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.62% sits at the 82nd percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 41st — a 19-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 | MEMBERS 1ST OF NJ | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $133.26M | 22th pct | 36th pct |
| Members | 13,043 | 50th pct | 67th pct |
| Net worth ratio | 9.63% | 23th pct | 26th pct |
| Return on average assets | 0.73% | 52th pct | 51th pct |
| Net interest margin | 3.80% | 60th pct | 75th pct |
| Cost of funds | 0.56% | 22th pct | 41th pct |
| Loan-to-share | 48.20% | 10th pct | 30th pct |
| Delinquency 60+ days | 0.89% | 71th pct | 67th pct |
| Net charge-off ratio | 0.62% | 74th pct | 82th pct |
| Loan growth YoY | -0.41% | 42th pct | 51th pct |
| Share growth YoY | 5.03% | 71th pct | 75th pct |
| Efficiency ratio | 85.02% | 72th pct | 66th pct |
structural peer set hash: 16f638cede16223f83f33a58b4a3a0af… (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.