MILLS42
Charter #12666 · Lowell, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.88% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.03% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 66th percentile but its structural peers at the 21st — a 44-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 | MILLS42 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.89M | 66th pct | 21th pct |
| Members | 2,938 | 74th pct | 49th pct |
| Net worth ratio | 11.55% | 32th pct | 52th pct |
| Return on average assets | 0.68% | 51th pct | 52th pct |
| Net interest margin | 3.60% | 38th pct | 34th pct |
| Cost of funds | 1.88% | 87th pct | 93th pct |
| Loan-to-share | 71.05% | 72th pct | 67th pct |
| Delinquency 60+ days | 0.03% | 13th pct | 10th pct |
| Net charge-off ratio | 0.07% | 44th pct | 39th pct |
| Loan growth YoY | -3.19% | 44th pct | 25th pct |
| Share growth YoY | 5.06% | 75th pct | 77th pct |
| Efficiency ratio | 84.60% | 61th pct | 62th pct |
structural peer set hash: 9c1d25a852c298f33a214396aac88696… (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.