N.J.T. EMPLOYEES
Charter #9723 · Waldwick, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.15% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 1.14% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 4.38% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.71% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 59.23% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
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 | N.J.T. EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $38.75M | 80th pct | 48th pct |
| Members | 2,517 | 63th pct | 54th pct |
| Net worth ratio | 11.42% | 31th pct | 33th pct |
| Return on average assets | 0.15% | 24th pct | 18th pct |
| Net interest margin | 1.14% | 1th pct | 2th pct |
| Cost of funds | 4.38% | 100th pct | 98th pct |
| Loan-to-share | 20.78% | 3th pct | 15th pct |
| Delinquency 60+ days | 0.94% | 66th pct | 66th pct |
| Net charge-off ratio | 0.71% | 79th pct | 82th pct |
| Loan growth YoY | -7.08% | 17th pct | 18th pct |
| Share growth YoY | 5.20% | 76th pct | 74th pct |
| Efficiency ratio | 59.23% | 10th pct | 13th pct |
structural peer set hash: 30ba2b31c2e8058843ebc8cff88af982… (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.