FEDERAL EMPLOYEES NEWARK
Charter #4894 · NEWARK, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.16% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.66% sits at the 5th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.56% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 109.08% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 90th — a 17-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 | FEDERAL EMPLOYEES NEWARK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.77M | 20th pct | 8th pct |
| Members | 2,662 | 67th pct | 67th pct |
| Net worth ratio | 17.16% | 72th pct | 80th pct |
| Return on average assets | -0.66% | 9th pct | 5th pct |
| Net interest margin | 3.17% | 21th pct | 33th pct |
| Cost of funds | 1.20% | 67th pct | 54th pct |
| Loan-to-share | 66.50% | 65th pct | 57th pct |
| Delinquency 60+ days | 0.11% | 23th pct | 33th pct |
| Net charge-off ratio | 0.56% | 74th pct | 90th pct |
| Loan growth YoY | -5.56% | 26th pct | 13th pct |
| Share growth YoY | -1.87% | 13th pct | 20th pct |
| Efficiency ratio | 109.08% | 94th pct | 92th pct |
structural peer set hash: 95a4ebc0313c0ccd99b5937604571557… (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.