NEW JERSEY COMMUNITY
Charter #9555 · MOORESTOWN, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 777 sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 4.32% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.28% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.60% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 8th — a 84-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 | NEW JERSEY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.74M | 92th pct | 8th pct |
| Members | 777 | 68th pct | 2th pct |
| Net worth ratio | 10.04% | 14th pct | 33th pct |
| Return on average assets | 0.19% | 40th pct | 33th pct |
| Net interest margin | 4.32% | 59th pct | 93th pct |
| Cost of funds | 0.28% | 37th pct | 23th pct |
| Loan-to-share | 29.34% | 18th pct | 30th pct |
| Delinquency 60+ days | 3.60% | 81th pct | 92th pct |
| Net charge-off ratio | 0.37% | 79th pct | 67th pct |
| Loan growth YoY | -3.39% | 59th pct | 54th pct |
| Share growth YoY | 0.90% | 56th pct | 49th pct |
| Efficiency ratio | 91.96% | 59th pct | 64th pct |
structural peer set hash: d26b701ce12b3a43ae4a8bbcb1232e51… (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.