TRENTON TEACHERS
Charter #2932 · TRENTON, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.72% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.41% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 5.57% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 17th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 80th — 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 | TRENTON TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.36M | 34th pct | 43th pct |
| Members | 396 | 35th pct | 44th pct |
| Net worth ratio | 18.07% | 51th pct | 62th pct |
| Return on average assets | 1.72% | 87th pct | 82th pct |
| Net interest margin | 4.41% | 61th pct | 80th pct |
| Cost of funds | 0.16% | 26th pct | 36th pct |
| Loan-to-share | 9.87% | 5th pct | 25th pct |
| Delinquency 60+ days | 5.57% | 88th pct | 87th pct |
| Net charge-off ratio | 0.00% | 22th pct | 17th pct |
| Loan growth YoY | -33.08% | 1th pct | 2th pct |
| Share growth YoY | 30.95% | 99th pct | 92th pct |
| Efficiency ratio | 61.56% | 17th pct | 36th pct |
structural peer set hash: ffcad0dc5fdcd65cec917fe67f143900… (reproducible)
Closest structural peers
This is the free public view
Claim TRENTON TEACHERS
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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.