NORTH ADAMS M E
Charter #13274 · North Adams, MA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 328 sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of -1.71% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 0.10% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.44% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 | NORTH ADAMS M E | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.26M | 33th pct | 10th pct |
| Members | 328 | 27th pct | 7th pct |
| Net worth ratio | 18.40% | 52th pct | 54th pct |
| Return on average assets | -1.71% | 11th pct | 7th pct |
| Net interest margin | 4.54% | 66th pct | 66th pct |
| Cost of funds | 0.10% | 20th pct | 11th pct |
| Loan-to-share | 61.07% | 53th pct | 38th pct |
| Delinquency 60+ days | 3.44% | 81th pct | 87th pct |
| Net charge-off ratio | 0.00% | 22th pct | 18th pct |
| Loan growth YoY | -14.95% | 13th pct | 3th pct |
| Share growth YoY | 1.37% | 59th pct | 49th pct |
| Efficiency ratio | 137.89% | 91th pct | 95th pct |
structural peer set hash: 6443b552133e8afce30c35310c2f1f2e… (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.