N.J.T. Employees

Waldwick, NJ · 1 · Charter #9723
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
$37.6M
87th percentile
Members
2,526
77th percentile
Total loans
$7.5M
56th percentile
Total shares
$32.8M
88th percentile

Profitability

Return on assets
1.05%
62th percentile
Net interest margin
1.64%
2th percentile
Efficiency ratio
10.98%
99th percentile
Non-interest income ratio
0.04%
5th percentile

Capital & Risk

Net worth ratio
11.72%
28th percentile
Delinquency rate
0.91%
45th percentile
Net charge-off rate
0.62%
27th percentile
Loan-to-share
22.89%
7th percentile

Growth

Member growth YoY
1.53%
81th percentile
Asset growth YoY
6.58%
82th percentile
Loan growth YoY
-5.87%
37th percentile
Share growth YoY
6.74%
83th percentile

Operations

Members / branch
1,263
57th percentile
Assets / member
$14,895
85th percentile
Field of membership penetration
72.17%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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