B-M S
Charter #9146 · New Brunswick, NJ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.91% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.24% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 1.84% sits at the 15th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.41% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 94.78% sits at the 90th percentile of structural peers — worth a closer look.
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 | B-M S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $86.12M | 78th pct | 74th pct |
| Members | 3,591 | 20th pct | 66th pct |
| Net worth ratio | 19.91% | 90th pct | 79th pct |
| Return on average assets | -0.24% | 8th pct | 5th pct |
| Net interest margin | 1.84% | 2th pct | 15th pct |
| Cost of funds | 0.94% | 53th pct | 38th pct |
| Loan-to-share | 28.90% | 4th pct | 23th pct |
| Delinquency 60+ days | 0.50% | 43th pct | 57th pct |
| Net charge-off ratio | 0.41% | 65th pct | 85th pct |
| Loan growth YoY | 9.21% | 98th pct | 97th pct |
| Share growth YoY | 8.81% | 94th pct | 93th pct |
| Efficiency ratio | 94.78% | 89th pct | 90th pct |
structural peer set hash: c4cf67d5eab4808f6829347257ae5baf… (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.