Jersey Central

CRANFORD, NJ · 1 · Charter #2493 · www.jerseycentralfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$24.0M
69th percentile
Members
4,002
94th percentile
Total loans
$13.7M
75th percentile
Total shares
$19.7M
68th percentile

Profitability

Return on assets
0.26%
25th percentile
Net interest margin
4.88%
80th percentile
Efficiency ratio
77.17%
29th percentile
Non-interest income ratio
13.29%
64th percentile

Capital & Risk

Net worth ratio
17.64%
64th percentile
Delinquency rate
2.52%
19th percentile
Net charge-off rate
0.81%
21th percentile
Loan-to-share
69.31%
62th percentile

Growth

Member growth YoY
-5.37%
16th percentile
Asset growth YoY
6.68%
83th percentile
Loan growth YoY
0.05%
63th percentile
Share growth YoY
8.21%
87th percentile

Operations

Members / branch
4,002
97th percentile
Assets / member
$6,003
23th percentile
Field of membership penetration
5.00%
17th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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