NESC
Charter #12334 · METHUEN, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,872 sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.92% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.07% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 87.73% sits at the 75th percentile of structural peers — worth a closer look.
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 | NESC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $125.81M | 17th pct | 18th pct |
| Members | 7,872 | 17th pct | 16th pct |
| Net worth ratio | 10.47% | 34th pct | 46th pct |
| Return on average assets | 0.54% | 38th pct | 43th pct |
| Net interest margin | 4.01% | 72th pct | 66th pct |
| Cost of funds | 0.92% | 34th pct | 23th pct |
| Loan-to-share | 77.24% | 61th pct | 54th pct |
| Delinquency 60+ days | 0.72% | 59th pct | 59th pct |
| Net charge-off ratio | 0.07% | 14th pct | 10th pct |
| Loan growth YoY | 0.13% | 50th pct | 44th pct |
| Share growth YoY | 4.00% | 57th pct | 69th pct |
| Efficiency ratio | 87.73% | 79th pct | 75th pct |
structural peer set hash: 46679995baf4fc33eaf74e976f05c4e9… (reproducible)
Closest structural peers
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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.