RARITAN BAY
Charter #4726 · Sayreville, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.48% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of 0.97% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 5th percentile but its structural peers at the 38th — a 33-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 | RARITAN BAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $107.08M | 5th pct | 38th pct |
| Members | 7,432 | 14th pct | 44th pct |
| Net worth ratio | 8.48% | 7th pct | 7th pct |
| Return on average assets | 0.97% | 68th pct | 80th pct |
| Net interest margin | 3.77% | 57th pct | 67th pct |
| Cost of funds | 0.44% | 17th pct | 30th pct |
| Loan-to-share | 38.06% | 4th pct | 11th pct |
| Delinquency 60+ days | 0.56% | 46th pct | 46th pct |
| Net charge-off ratio | 0.28% | 41th pct | 51th pct |
| Loan growth YoY | 6.24% | 92th pct | 89th pct |
| Share growth YoY | 2.08% | 29th pct | 33th pct |
| Efficiency ratio | 78.29% | 49th pct | 34th pct |
structural peer set hash: 719a6e01de89b70e9a702c7da17e6bba… (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.