LINDEN NJ POLICE & FIREMEN
Charter #2617 · LINDEN, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 31.39% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.50% sits at the 23rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.56% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 54th — a 26-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 | LINDEN NJ POLICE & FIREMEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.05M | 80th pct | 54th pct |
| Members | 931 | 79th pct | 67th pct |
| Net worth ratio | 31.39% | 87th pct | 87th pct |
| Return on average assets | 0.86% | 67th pct | 57th pct |
| Net interest margin | 2.50% | 12th pct | 23th pct |
| Cost of funds | 0.93% | 63th pct | 57th pct |
| Loan-to-share | 16.60% | 8th pct | 25th pct |
| Delinquency 60+ days | 0.32% | 37th pct | 39th pct |
| Net charge-off ratio | -0.56% | 6th pct | 13th pct |
| Loan growth YoY | -0.59% | 71th pct | 79th pct |
| Share growth YoY | -4.41% | 20th pct | 25th pct |
| Efficiency ratio | 66.36% | 22th pct | 30th pct |
structural peer set hash: df3aab381f52871713b9f2cced590270… (reproducible)
Closest structural peers
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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.