HARRISON POLICE & FIREMEN'S
Charter #6638 · Harrison, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,355 sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.89% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.02% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 30th — a 26-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 | HARRISON POLICE & FIREMEN'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.55M | 55th pct | 30th pct |
| Members | 1,355 | 19th pct | 8th pct |
| Net worth ratio | 14.93% | 59th pct | 70th pct |
| Return on average assets | 0.71% | 53th pct | 57th pct |
| Net interest margin | 3.23% | 24th pct | 31th pct |
| Cost of funds | 1.89% | 88th pct | 93th pct |
| Loan-to-share | 53.10% | 43th pct | 56th pct |
| Delinquency 60+ days | 0.94% | 66th pct | 67th pct |
| Net charge-off ratio | -0.02% | 17th pct | 8th pct |
| Loan growth YoY | 2.86% | 86th pct | 80th pct |
| Share growth YoY | 2.05% | 45th pct | 54th pct |
| Efficiency ratio | 78.56% | 45th pct | 38th pct |
structural peer set hash: 687daf5ad350e5201ddb362629478e56… (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.