ENFIELD COMMUNITY
Charter #1729 · ENFIELD, CT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.21% sits at the 16th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.69% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 93rd percentile but its structural peers at the 56th — a 37-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 | ENFIELD COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.43M | 93th pct | 56th pct |
| Members | 3,486 | 85th pct | 59th pct |
| Net worth ratio | 9.21% | 13th pct | 16th pct |
| Return on average assets | 0.83% | 59th pct | 59th pct |
| Net interest margin | 3.34% | 28th pct | 41th pct |
| Cost of funds | 0.65% | 41th pct | 46th pct |
| Loan-to-share | 42.15% | 24th pct | 41th pct |
| Delinquency 60+ days | 0.31% | 37th pct | 38th pct |
| Net charge-off ratio | 0.69% | 78th pct | 87th pct |
| Loan growth YoY | -1.08% | 61th pct | 56th pct |
| Share growth YoY | 2.33% | 48th pct | 43th pct |
| Efficiency ratio | 80.16% | 49th pct | 48th pct |
structural peer set hash: b5e42cc2b290ea00222f01c0d64997f6… (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.