GOLDMARK
Charter #11400 · Attleboro, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.43% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.72% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 99th percentile but its structural peers at the 48th — a 52-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GOLDMARK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $49.30M | 99th pct | 48th pct |
| Members | 2,929 | 73th pct | 46th pct |
| Net worth ratio | 10.76% | 25th pct | 38th pct |
| Return on average assets | 0.52% | 43th pct | 51th pct |
| Net interest margin | 2.43% | 5th pct | 15th pct |
| Cost of funds | 1.72% | 83th pct | 80th pct |
| Loan-to-share | 43.49% | 26th pct | 33th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 25th pct |
| Loan growth YoY | -3.26% | 43th pct | 31th pct |
| Share growth YoY | 2.64% | 52th pct | 52th pct |
| Efficiency ratio | 82.07% | 54th pct | 51th pct |
structural peer set hash: d31e456f19fb81d1ae41986e6066d6c1… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.