Central Jersey

WOODBRIDGE, NJ · 1 · Charter #1108 · www.cjfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$92.6M
40th percentile
Members
6,021
34th percentile
Total loans
$45.0M
34th percentile
Total shares
$81.6M
43th percentile

Profitability

Return on assets
0.78%
33th percentile
Net interest margin
3.64%
49th percentile
Efficiency ratio
76.94%
11th percentile
Non-interest income ratio
23.40%
78th percentile

Capital & Risk

Net worth ratio
10.41%
28th percentile
Delinquency rate
0.68%
52th percentile
Net charge-off rate
0.15%
75th percentile
Loan-to-share
55.13%
27th percentile

Growth

Member growth YoY
-4.32%
15th percentile
Asset growth YoY
-0.68%
16th percentile
Loan growth YoY
4.36%
67th percentile
Share growth YoY
-1.74%
14th percentile

Operations

Members / branch
6,021
90th percentile
Assets / member
$15,386
58th percentile
Field of membership penetration
24.08%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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