THE ANDOVERS
Charter #16067 · Andover, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.56% sits at the 7th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.53% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 39th — a 36-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 | THE ANDOVERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.46M | 75th pct | 39th pct |
| Members | 2,152 | 52th pct | 30th pct |
| Net worth ratio | 13.06% | 45th pct | 59th pct |
| Return on average assets | 0.80% | 57th pct | 66th pct |
| Net interest margin | 2.56% | 7th pct | 7th pct |
| Cost of funds | 0.87% | 52th pct | 56th pct |
| Loan-to-share | 24.97% | 5th pct | 15th pct |
| Delinquency 60+ days | 1.16% | 72th pct | 61th pct |
| Net charge-off ratio | 0.53% | 73th pct | 79th pct |
| Loan growth YoY | -8.46% | 11th pct | 11th pct |
| Share growth YoY | -0.81% | 20th pct | 15th pct |
| Efficiency ratio | 74.16% | 36th pct | 30th pct |
structural peer set hash: 78cb21d19effe2ea02c658bc8a313c0a… (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.