BAYONNE SCHOOL EMPLOYEES
Charter #2641 · BAYONNE, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,012 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 8.36% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of 1.93% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
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 | BAYONNE SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.62M | 84th pct | 23th pct |
| Members | 1,012 | 83th pct | 21th pct |
| Net worth ratio | 8.36% | 7th pct | 3th pct |
| Return on average assets | 1.93% | 90th pct | 89th pct |
| Net interest margin | 3.56% | 35th pct | 48th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 3.39% | 2th pct | 2th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 7th pct |
| Loan growth YoY | -37.69% | 1th pct | 0th pct |
| Share growth YoY | 112.93% | 100th pct | 92th pct |
| Efficiency ratio | 46.08% | 7th pct | 7th pct |
structural peer set hash: e10e6e968560260b37501d2bded27bba… (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.