UMASSFIVE COLLEGE
Charter #18181 · Hadley, MA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- This credit union tracks close to its structural peers across the headline metrics for the current cycle.
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 | UMASSFIVE COLLEGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $712.46M | 51th pct | 39th pct |
| Members | 51,124 | 75th pct | 62th pct |
| Net worth ratio | 9.50% | 28th pct | 43th pct |
| Return on average assets | 0.39% | 26th pct | 33th pct |
| Net interest margin | 3.55% | 53th pct | 67th pct |
| Cost of funds | 1.68% | 66th pct | 66th pct |
| Loan-to-share | 84.69% | 59th pct | 48th pct |
| Delinquency 60+ days | 0.98% | 76th pct | 62th pct |
| Net charge-off ratio | 0.27% | 32th pct | 38th pct |
| Loan growth YoY | -0.53% | 32th pct | 36th pct |
| Share growth YoY | 2.94% | 35th pct | 49th pct |
| Efficiency ratio | 85.17% | 79th pct | 64th pct |
structural peer set hash: f0ef5c6d63d4181f7171ccd98666fe6b… (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.