COMMON TRUST
Charter #17847 · Woburn, MA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.14% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.73% sits at the 8th percentile of structural peers — worth a closer look.
- Efficiency ratio of 99.62% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 97th percentile but its structural peers at the 67th — a 30-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 | COMMON TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $98.13M | 97th pct | 67th pct |
| Members | 5,788 | 61th pct | 59th pct |
| Net worth ratio | 9.68% | 16th pct | 26th pct |
| Return on average assets | 0.14% | 19th pct | 11th pct |
| Net interest margin | 2.73% | 8th pct | 8th pct |
| Cost of funds | 1.03% | 58th pct | 61th pct |
| Loan-to-share | 44.89% | 22th pct | 23th pct |
| Delinquency 60+ days | 0.26% | 25th pct | 33th pct |
| Net charge-off ratio | 0.09% | 32th pct | 41th pct |
| Loan growth YoY | 11.02% | 99th pct | 93th pct |
| Share growth YoY | 13.99% | 99th pct | 97th pct |
| Efficiency ratio | 99.62% | 93th pct | 92th pct |
structural peer set hash: aa6c135a8696df5fd1ff8d9fd1f42fff… (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.