TEWKSBURY
Charter #13926 · Tewksbury, MA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.09% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.62% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.01% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 74.65% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 15th — a 20-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 | TEWKSBURY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $94.80M | 93th pct | 82th pct |
| Members | 6,033 | 66th pct | 66th pct |
| Net worth ratio | 10.86% | 29th pct | 39th pct |
| Return on average assets | 1.09% | 69th pct | 85th pct |
| Net interest margin | 4.62% | 90th pct | 92th pct |
| Cost of funds | 0.94% | 52th pct | 54th pct |
| Loan-to-share | 67.22% | 61th pct | 51th pct |
| Delinquency 60+ days | 0.40% | 37th pct | 31th pct |
| Net charge-off ratio | 0.01% | 19th pct | 25th pct |
| Loan growth YoY | 2.83% | 84th pct | 80th pct |
| Share growth YoY | 1.58% | 36th pct | 43th pct |
| Efficiency ratio | 74.65% | 35th pct | 15th pct |
structural peer set hash: 439cfe14d2c27454d8225288bfd1fa2d… (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.