DIVISION 819 TRANSIT EMPLOYEES
Charter #62855 · IRVINGTON, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.15% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.98% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.64% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.95% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 68.13% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
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 | DIVISION 819 TRANSIT EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.94M | 23th pct | 16th pct |
| Members | 1,502 | 25th pct | 31th pct |
| Net worth ratio | 18.15% | 78th pct | 75th pct |
| Return on average assets | 0.90% | 63th pct | 57th pct |
| Net interest margin | 3.98% | 57th pct | 75th pct |
| Cost of funds | 1.64% | 81th pct | 77th pct |
| Loan-to-share | 46.55% | 31th pct | 36th pct |
| Delinquency 60+ days | 1.39% | 76th pct | 74th pct |
| Net charge-off ratio | 0.95% | 85th pct | 92th pct |
| Loan growth YoY | -2.53% | 49th pct | 48th pct |
| Share growth YoY | 3.16% | 57th pct | 51th pct |
| Efficiency ratio | 68.13% | 23th pct | 23th pct |
structural peer set hash: ed7c158a68a50532f445a490c2bad5e7… (reproducible)
Closest structural peers
This is the free public view
Claim DIVISION 819 TRANSIT EMPLOYEES
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.