COMMUNITY FINANCIAL SERVICES
Charter #6179 · ROSELLE, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.90% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.20% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.95% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.10% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 119.90% sits at the 97th 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 | COMMUNITY FINANCIAL SERVICES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.66M | 65th pct | 30th pct |
| Members | 2,718 | 68th pct | 54th pct |
| Net worth ratio | 13.14% | 46th pct | 59th pct |
| Return on average assets | -0.90% | 7th pct | 3th pct |
| Net interest margin | 3.67% | 41th pct | 64th pct |
| Cost of funds | 0.20% | 14th pct | 8th pct |
| Loan-to-share | 36.13% | 17th pct | 39th pct |
| Delinquency 60+ days | 2.95% | 92th pct | 90th pct |
| Net charge-off ratio | -0.10% | 10th pct | 10th pct |
| Loan growth YoY | -18.08% | 1th pct | 0th pct |
| Share growth YoY | 1.68% | 41th pct | 56th pct |
| Efficiency ratio | 119.90% | 97th pct | 97th pct |
structural peer set hash: 660ea0b263cc0304e1181edf0c51dd86… (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.