PATERSON POLICE
Charter #8339 · Paterson, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.03% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 1.60% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -1.36% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 100.76% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 30th — a 27-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 | PATERSON POLICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.74M | 57th pct | 30th pct |
| Members | 536 | 47th pct | 28th pct |
| Net worth ratio | 19.54% | 58th pct | 59th pct |
| Return on average assets | -0.03% | 31th pct | 25th pct |
| Net interest margin | 3.55% | 34th pct | 33th pct |
| Cost of funds | 1.60% | 80th pct | 80th pct |
| Loan-to-share | 42.10% | 31th pct | 43th pct |
| Delinquency 60+ days | 2.33% | 71th pct | 70th pct |
| Net charge-off ratio | -1.36% | 3th pct | 2th pct |
| Loan growth YoY | -1.02% | 70th pct | 77th pct |
| Share growth YoY | -2.11% | 33th pct | 26th pct |
| Efficiency ratio | 100.76% | 73th pct | 79th pct |
structural peer set hash: 01469632e8229464301d305111d71464… (reproducible)
Closest structural peers
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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.