Jersey Shore

Northfield, NJ · 1 · Charter #15483 · www.jerseyshorefcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$245.4M
99th percentile
Members
16,365
93th percentile
Total loans
$128.3M
90th percentile
Total shares
$226.7M
100th percentile

Profitability

Return on assets
1.12%
56th percentile
Net interest margin
3.69%
52th percentile
Efficiency ratio
67.80%
33th percentile
Non-interest income ratio
18.41%
56th percentile

Capital & Risk

Net worth ratio
9.32%
15th percentile
Delinquency rate
0.59%
58th percentile
Net charge-off rate
0.35%
47th percentile
Loan-to-share
56.58%
30th percentile

Growth

Member growth YoY
0.53%
65th percentile
Asset growth YoY
4.80%
59th percentile
Loan growth YoY
4.53%
69th percentile
Share growth YoY
2.32%
40th percentile

Operations

Members / branch
3,273
54th percentile
Assets / member
$14,995
55th percentile
Field of membership penetration
4.43%
43th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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