PICATINNY
Charter #3291 · DOVER, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.32% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.22% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 46th — 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 | PICATINNY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $454.41M | 96th pct | 82th pct |
| Members | 19,855 | 77th pct | 61th pct |
| Net worth ratio | 9.40% | 19th pct | 39th pct |
| Return on average assets | 0.53% | 38th pct | 59th pct |
| Net interest margin | 3.52% | 41th pct | 51th pct |
| Cost of funds | 0.95% | 36th pct | 43th pct |
| Loan-to-share | 60.23% | 27th pct | 39th pct |
| Delinquency 60+ days | 0.32% | 23th pct | 20th pct |
| Net charge-off ratio | 0.22% | 34th pct | 23th pct |
| Loan growth YoY | -4.62% | 7th pct | 8th pct |
| Share growth YoY | 3.52% | 51th pct | 70th pct |
| Efficiency ratio | 83.91% | 69th pct | 46th pct |
structural peer set hash: 2a03a3b0fcd026af1bc0510c5b473e0b… (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.