CLIFTON NJ POSTAL EMPLOYEES
Charter #277 · Clifton, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 244 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 52.06% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.19% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 7.18% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.05% ranks in the 25th 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 | CLIFTON NJ POSTAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.14M | 32th pct | 31th pct |
| Members | 244 | 19th pct | 21th pct |
| Net worth ratio | 52.06% | 98th pct | 89th pct |
| Return on average assets | -0.19% | 28th pct | 18th pct |
| Net interest margin | 3.55% | 34th pct | 36th pct |
| Cost of funds | 0.97% | 64th pct | 62th pct |
| Loan-to-share | 34.44% | 23th pct | 21th pct |
| Delinquency 60+ days | 7.18% | 92th pct | 87th pct |
| Net charge-off ratio | -0.05% | 17th pct | 25th pct |
| Loan growth YoY | 9.62% | 93th pct | 88th pct |
| Share growth YoY | -2.38% | 31th pct | 39th pct |
| Efficiency ratio | 105.33% | 77th pct | 80th pct |
structural peer set hash: 44dd151fa2d5c56ce9d89d4837fa46b8… (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.