SYMPHONY
Charter #18861 · Boston, MA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 209 sits at the 3rd percentile of structural peers — worth a closer look.
- Net worth ratio of 9.05% sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 3.00% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.85% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
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 | SYMPHONY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.14M | 32th pct | 10th pct |
| Members | 209 | 16th pct | 3th pct |
| Net worth ratio | 9.05% | 10th pct | 15th pct |
| Return on average assets | 3.00% | 96th pct | 97th pct |
| Net interest margin | 4.69% | 70th pct | 70th pct |
| Cost of funds | 1.82% | 85th pct | 74th pct |
| Loan-to-share | 76.30% | 72th pct | 57th pct |
| Delinquency 60+ days | 1.85% | 66th pct | 84th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -18.81% | 8th pct | 0th pct |
| Share growth YoY | 4.94% | 80th pct | 67th pct |
| Efficiency ratio | 61.57% | 17th pct | 8th pct |
structural peer set hash: df9bf840cb5c6f3a858d719fe523a285… (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.