TRENTON NJ FIREMEN
Charter #4906 · TRENTON, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 25th — a 30-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 | TRENTON NJ FIREMEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.40M | 54th pct | 25th pct |
| Members | 785 | 68th pct | 48th pct |
| Net worth ratio | 18.11% | 51th pct | 52th pct |
| Return on average assets | 0.86% | 67th pct | 67th pct |
| Net interest margin | 3.25% | 26th pct | 48th pct |
| Cost of funds | 1.11% | 69th pct | 59th pct |
| Loan-to-share | 26.07% | 15th pct | 16th pct |
| Delinquency 60+ days | 0.48% | 41th pct | 64th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -15.91% | 12th pct | 10th pct |
| Share growth YoY | 3.16% | 71th pct | 74th pct |
| Efficiency ratio | 73.82% | 29th pct | 33th pct |
structural peer set hash: e495daed65db78fc92a1157ee5373c8c… (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.