DEDHAM TOWN EMPLOYEES
Charter #15073 · DEDHAM, MA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.07% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.37% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 96th percentile but its structural peers at the 56th — a 40-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 | DEDHAM TOWN EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.27M | 96th pct | 56th pct |
| Members | 1,063 | 85th pct | 54th pct |
| Net worth ratio | 13.82% | 31th pct | 49th pct |
| Return on average assets | 1.07% | 74th pct | 77th pct |
| Net interest margin | 3.73% | 40th pct | 56th pct |
| Cost of funds | 0.95% | 64th pct | 64th pct |
| Loan-to-share | 25.50% | 15th pct | 16th pct |
| Delinquency 60+ days | 2.16% | 69th pct | 74th pct |
| Net charge-off ratio | -0.37% | 8th pct | 7th pct |
| Loan growth YoY | -13.37% | 18th pct | 15th pct |
| Share growth YoY | -2.36% | 31th pct | 21th pct |
| Efficiency ratio | 78.69% | 37th pct | 34th pct |
structural peer set hash: 54bcdb2174c1e1ef457267346e74f593… (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.