Central Jersey Police & Fire

Hamilton, NJ · 1 · Charter #3202 · www.cjpolicefirefcu.org
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
$48.4M
99th percentile
Members
2,918
83th percentile
Total loans
$28.7M
97th percentile
Total shares
$41.0M
98th percentile

Profitability

Return on assets
1.11%
64th percentile
Net interest margin
2.76%
13th percentile
Efficiency ratio
44.93%
89th percentile
Non-interest income ratio
4.85%
33th percentile

Capital & Risk

Net worth ratio
14.57%
47th percentile
Delinquency rate
0.50%
57th percentile
Net charge-off rate
0.07%
65th percentile
Loan-to-share
69.95%
63th percentile

Growth

Member growth YoY
2.31%
86th percentile
Asset growth YoY
7.87%
87th percentile
Loan growth YoY
3.28%
74th percentile
Share growth YoY
6.32%
82th percentile

Operations

Members / branch
2,918
91th percentile
Assets / member
$16,580
90th percentile
Field of membership penetration
11.67%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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