RAH

Charter #14845 · RANDOLPH, MA · $10M-$50M

Public 5300 data · as of 2026Q1

What the numbers say

Members of 1,852 sits at the 20th percentile of structural peers — worth a closer look.
Delinquency 60+ days of 0.08% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
Net charge-off ratio of -0.20% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
On Total assets, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 11th — a 35-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	RAH	Asset-tier percentile	Structural percentile
Total assets	$24.04M	47th pct	11th pct
Members	1,852	40th pct	20th pct
Net worth ratio	10.82%	25th pct	49th pct
Return on average assets	0.81%	57th pct	69th pct
Net interest margin	3.56%	36th pct	34th pct
Cost of funds	1.32%	72th pct	70th pct
Loan-to-share	71.57%	72th pct	72th pct
Delinquency 60+ days	0.08%	20th pct	20th pct
Net charge-off ratio	-0.20%	6th pct	2th pct
Loan growth YoY	-0.17%	69th pct	52th pct
Share growth YoY	4.89%	74th pct	75th pct
Efficiency ratio	78.71%	45th pct	28th pct

structural peer set hash: d9be7f6acd71c996c28e9d69a1da4b00… (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.