STOUGHTON TOWN EMPLOYEES
Charter #17437 · Stoughton, MA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 478 sits at the 20th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 8th — a 26-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 | STOUGHTON TOWN EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.38M | 34th pct | 8th pct |
| Members | 478 | 42th pct | 20th pct |
| Net worth ratio | 16.84% | 48th pct | 56th pct |
| Return on average assets | 1.10% | 75th pct | 69th pct |
| Net interest margin | 4.01% | 49th pct | 34th pct |
| Cost of funds | 0.52% | 51th pct | 44th pct |
| Loan-to-share | 71.15% | 66th pct | 46th pct |
| Delinquency 60+ days | 0.22% | 34th pct | 30th pct |
| Net charge-off ratio | 0.00% | 22th pct | 13th pct |
| Loan growth YoY | -14.35% | 14th pct | 2th pct |
| Share growth YoY | -2.08% | 33th pct | 20th pct |
| Efficiency ratio | 80.70% | 41th pct | 48th pct |
structural peer set hash: 5a940da30d7293914f6db82967aab738… (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.