RIDGEDALE
Charter #5419 · East Hanover, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,703 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.91% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of -0.54% sits at the 7th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.34% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.78% sits at the 89th 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 | RIDGEDALE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $100.52M | 0th pct | 18th pct |
| Members | 3,703 | 1th pct | 8th pct |
| Net worth ratio | 8.91% | 12th pct | 20th pct |
| Return on average assets | -0.54% | 3th pct | 7th pct |
| Net interest margin | 3.37% | 33th pct | 56th pct |
| Cost of funds | 1.09% | 43th pct | 61th pct |
| Loan-to-share | 50.33% | 12th pct | 25th pct |
| Delinquency 60+ days | 1.34% | 86th pct | 80th pct |
| Net charge-off ratio | 0.78% | 83th pct | 89th pct |
| Loan growth YoY | -2.41% | 21th pct | 31th pct |
| Share growth YoY | 4.11% | 59th pct | 56th pct |
| Efficiency ratio | 100.13% | 97th pct | 93th pct |
structural peer set hash: 7db8cf15727aa10010481774446ca089… (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.