Central Jersey Police & Fire
Hamilton, NJ · Charter 3202 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$52.3MAssets
$30.2MLoans
$44.6MShares
$7.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of credit unions under $1B in assets (rank 37 of 1682).
- Widest gap: net interest margin trails 79% of credit unions under $1B in assets (rank 1330 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.84%
Rank 111 of 1,683
Net Interest Margin
3.21%
Rank 1,330 of 1,683
Efficiency Ratio
45.82%
Rank 37 of 1,682
Equity / Assets
14.40%
Rank 610 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.84% | 0.35% | 0.74% | 1.18% | Beats 93% | 111 / 1,683 | | |
| Return on Equity | 12.74% | 2.67% | 5.89% | 8.74% | Beats 94% | 102 / 1,681 | | |
| Net Interest Margin | 3.21% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,330 / 1,683 | | |
| Efficiency Ratio | 45.82% | 68.91% | 78.20% | 86.93% | Beats 98% | 37 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 660 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.40% | 10.44% | 12.89% | 16.53% | Beats 64% | 610 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.40% | 10.44% | 12.89% | 16.53% | Beats 64% | 610 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.64% | 52.61% | 69.38% | 83.50% | 47th pctl | 900 / 1,683 | | |
| Loans / Assets | 57.71% | 44.71% | 59.18% | 70.72% | 47th pctl | 892 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |