Division 819 Transit Employees

IRVINGTON, NJ · 2 · Charter #62855 · www.div819cu.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
$15.3M
54th percentile
Members
1,504
52th percentile
Total loans
$6.4M
51th percentile
Total shares
$12.4M
53th percentile

Profitability

Return on assets
2.22%
94th percentile
Net interest margin
5.09%
84th percentile
Efficiency ratio
44.94%
89th percentile
Non-interest income ratio
0.95%
13th percentile

Capital & Risk

Net worth ratio
18.65%
69th percentile
Delinquency rate
1.86%
26th percentile
Net charge-off rate
1.45%
10th percentile
Loan-to-share
51.28%
36th percentile

Growth

Member growth YoY
-4.51%
20th percentile
Asset growth YoY
2.67%
60th percentile
Loan growth YoY
-3.88%
46th percentile
Share growth YoY
1.06%
54th percentile

Operations

Members / branch
1,504
64th percentile
Assets / member
$10,200
58th percentile
Field of membership penetration
75.20%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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