MOTION
Charter #53 · Linden, NJ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.79% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.31% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.31% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 91.84% sits at the 80th percentile of structural peers — worth a closer look.
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 | MOTION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $62.73M | 31th pct | 30th pct |
| Members | 5,021 | 50th pct | 46th pct |
| Net worth ratio | 9.79% | 18th pct | 25th pct |
| Return on average assets | 0.42% | 34th pct | 38th pct |
| Net interest margin | 4.31% | 82th pct | 84th pct |
| Cost of funds | 0.31% | 14th pct | 2th pct |
| Loan-to-share | 69.29% | 66th pct | 67th pct |
| Delinquency 60+ days | 0.96% | 70th pct | 61th pct |
| Net charge-off ratio | 0.13% | 36th pct | 48th pct |
| Loan growth YoY | -0.36% | 62th pct | 49th pct |
| Share growth YoY | 2.84% | 50th pct | 49th pct |
| Efficiency ratio | 91.84% | 85th pct | 80th pct |
structural peer set hash: c9558e03d805332313f50952b8159ff5… (reproducible)
Closest structural peers
This is the free public view
Claim MOTION
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.