CENTRAL JERSEY POLICE & FIRE
Charter #3202 · Hamilton, NJ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,937 sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of 2.05% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.04% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 45.28% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 1st percentile but its structural peers at the 25th — a 23-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 | CENTRAL JERSEY POLICE & FIRE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $50.19M | 1th pct | 25th pct |
| Members | 2,937 | 9th pct | 20th pct |
| Net worth ratio | 14.55% | 66th pct | 61th pct |
| Return on average assets | 2.05% | 95th pct | 92th pct |
| Net interest margin | 3.52% | 40th pct | 39th pct |
| Cost of funds | 1.30% | 72th pct | 62th pct |
| Loan-to-share | 68.16% | 63th pct | 48th pct |
| Delinquency 60+ days | 0.51% | 43th pct | 62th pct |
| Net charge-off ratio | -0.04% | 7th pct | 10th pct |
| Loan growth YoY | 1.30% | 73th pct | 70th pct |
| Share growth YoY | 6.03% | 82th pct | 80th pct |
| Efficiency ratio | 45.28% | 2th pct | 2th pct |
structural peer set hash: 0a5ee7dbc0c4d09efa4cde3b6e032245… (reproducible)
Closest structural peers
This is the free public view
Claim CENTRAL JERSEY POLICE & FIRE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.