FINANCIAL RESOURCES
Charter #6665 · Branchburg, NJ · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 30,297 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 0.13% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.78% sits at the 97th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 57th — a 24-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 | FINANCIAL RESOURCES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $634.23M | 33th pct | 25th pct |
| Members | 30,297 | 16th pct | 25th pct |
| Net worth ratio | 9.09% | 20th pct | 39th pct |
| Return on average assets | 0.13% | 10th pct | 18th pct |
| Net interest margin | 3.25% | 33th pct | 57th pct |
| Cost of funds | 2.08% | 84th pct | 72th pct |
| Loan-to-share | 85.12% | 63th pct | 49th pct |
| Delinquency 60+ days | 2.78% | 100th pct | 97th pct |
| Net charge-off ratio | 0.45% | 52th pct | 72th pct |
| Loan growth YoY | -1.47% | 21th pct | 13th pct |
| Share growth YoY | 4.71% | 62th pct | 66th pct |
| Efficiency ratio | 84.55% | 77th pct | 62th pct |
structural peer set hash: a1c7f574f230d3a3696d00ae64c54882… (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.