N G M EMPLOYEES
Charter #17793 · KEENE, NH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.32% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 2.55% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.72% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -2.32% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 122.19% sits at the 93rd percentile of structural peers — worth a closer look.
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 | N G M EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.69M | 84th pct | 46th pct |
| Members | 1,167 | 88th pct | 52th pct |
| Net worth ratio | 7.32% | 4th pct | 7th pct |
| Return on average assets | 0.42% | 50th pct | 64th pct |
| Net interest margin | 2.55% | 13th pct | 5th pct |
| Cost of funds | 2.72% | 94th pct | 97th pct |
| Loan-to-share | 47.53% | 38th pct | 43th pct |
| Delinquency 60+ days | 0.24% | 35th pct | 26th pct |
| Net charge-off ratio | -2.32% | 2th pct | 0th pct |
| Loan growth YoY | -8.29% | 34th pct | 26th pct |
| Share growth YoY | 3.33% | 73th pct | 57th pct |
| Efficiency ratio | 122.19% | 88th pct | 93th pct |
structural peer set hash: d53a32e11d271ad830647ba5d01ca8ac… (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.