BAYONNE CITY EMPLOYEES
Charter #6443 · Bayonne, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 27.54% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.11% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.78% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 18th — a 33-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 | BAYONNE CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.06M | 51th pct | 18th pct |
| Members | 706 | 62th pct | 38th pct |
| Net worth ratio | 27.54% | 81th pct | 79th pct |
| Return on average assets | 0.21% | 41th pct | 31th pct |
| Net interest margin | 3.78% | 41th pct | 46th pct |
| Cost of funds | 0.10% | 21th pct | 3th pct |
| Loan-to-share | 75.32% | 70th pct | 56th pct |
| Delinquency 60+ days | 1.11% | 55th pct | 75th pct |
| Net charge-off ratio | 0.78% | 84th pct | 84th pct |
| Loan growth YoY | -1.06% | 69th pct | 59th pct |
| Share growth YoY | -0.96% | 42th pct | 33th pct |
| Efficiency ratio | 94.55% | 64th pct | 70th pct |
structural peer set hash: e4e6c20cfaf557c0730269d302a325b0… (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.