North Jersey

Totowa, NJ · 1 · Charter #1015 · www.njfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$252.6M
1th percentile
Members
27,665
48th percentile
Total loans
$154.0M
6th percentile
Total shares
$231.8M
7th percentile

Profitability

Return on assets
0.46%
16th percentile
Net interest margin
3.51%
55th percentile
Efficiency ratio
84.05%
0th percentile
Non-interest income ratio
24.76%
80th percentile

Capital & Risk

Net worth ratio
10.14%
37th percentile
Delinquency rate
1.10%
25th percentile
Net charge-off rate
0.59%
32th percentile
Loan-to-share
66.43%
21th percentile

Growth

Member growth YoY
13.35%
97th percentile
Asset growth YoY
8.64%
79th percentile
Loan growth YoY
2.25%
40th percentile
Share growth YoY
7.60%
76th percentile

Operations

Members / branch
6,916
81th percentile
Assets / member
$9,131
1th percentile
Field of membership penetration
0.82%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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