HEALTH ALLIANCE
Charter #17679 · SOMERVILLE, MA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.05% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.38% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.56% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.84% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 28th — a 44-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 | HEALTH ALLIANCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.07M | 72th pct | 28th pct |
| Members | 1,239 | 90th pct | 61th pct |
| Net worth ratio | 15.38% | 41th pct | 69th pct |
| Return on average assets | 2.05% | 91th pct | 90th pct |
| Net interest margin | 6.38% | 93th pct | 97th pct |
| Cost of funds | 0.87% | 61th pct | 39th pct |
| Loan-to-share | 78.44% | 76th pct | 64th pct |
| Delinquency 60+ days | 1.11% | 55th pct | 66th pct |
| Net charge-off ratio | 0.56% | 82th pct | 79th pct |
| Loan growth YoY | -1.51% | 67th pct | 46th pct |
| Share growth YoY | 2.59% | 68th pct | 64th pct |
| Efficiency ratio | 64.84% | 20th pct | 15th pct |
structural peer set hash: bec1fe1b313aedfc1b221c57b7572415… (reproducible)
Closest structural peers
This is the free public view
Claim HEALTH ALLIANCE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.