ELIZABETH (N.J.) FIREMEN'S
Charter #916 · Elizabeth, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.04% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 46th — a 35-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 | ELIZABETH (N.J.) FIREMEN'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.17M | 81th pct | 46th pct |
| Members | 1,127 | 87th pct | 61th pct |
| Net worth ratio | 11.38% | 19th pct | 41th pct |
| Return on average assets | 0.07% | 36th pct | 34th pct |
| Net interest margin | 4.19% | 55th pct | 69th pct |
| Cost of funds | 0.04% | 14th pct | 3th pct |
| Loan-to-share | 33.32% | 22th pct | 34th pct |
| Delinquency 60+ days | 1.27% | 57th pct | 57th pct |
| Net charge-off ratio | -0.01% | 21th pct | 25th pct |
| Loan growth YoY | -10.10% | 28th pct | 36th pct |
| Share growth YoY | 2.15% | 66th pct | 72th pct |
| Efficiency ratio | 98.52% | 70th pct | 72th pct |
structural peer set hash: a86b6116d724cbbf9c9fddf4a4831d1b… (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.