SOUTHERN MIDDLESEX CO TCHRS
Charter #3126 · East Brunswick, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.19% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.51% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 55.44% ranks in the 8th 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 | SOUTHERN MIDDLESEX CO TCHRS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $47.58M | 97th pct | 69th pct |
| Members | 2,887 | 72th pct | 69th pct |
| Net worth ratio | 10.62% | 23th pct | 30th pct |
| Return on average assets | 1.19% | 75th pct | 79th pct |
| Net interest margin | 2.70% | 9th pct | 26th pct |
| Cost of funds | 1.51% | 78th pct | 79th pct |
| Loan-to-share | 29.84% | 10th pct | 23th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 21th pct |
| Loan growth YoY | -3.55% | 41th pct | 44th pct |
| Share growth YoY | 9.52% | 94th pct | 93th pct |
| Efficiency ratio | 55.44% | 6th pct | 8th pct |
structural peer set hash: cab1e081c875e302d1039aab631287ca… (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.