MIDDLESEX-ESSEX POSTAL EMPLOYEES
Charter #19446 · NORTH READING, MA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 35.20% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.33% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.80% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 15th 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 | MIDDLESEX-ESSEX POSTAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.85M | 57th pct | 25th pct |
| Members | 620 | 53th pct | 38th pct |
| Net worth ratio | 35.20% | 90th pct | 80th pct |
| Return on average assets | 1.33% | 81th pct | 75th pct |
| Net interest margin | 4.80% | 73th pct | 85th pct |
| Cost of funds | 0.10% | 21th pct | 10th pct |
| Loan-to-share | 45.51% | 36th pct | 28th pct |
| Delinquency 60+ days | 0.61% | 44th pct | 48th pct |
| Net charge-off ratio | 0.00% | 22th pct | 15th pct |
| Loan growth YoY | -8.06% | 35th pct | 39th pct |
| Share growth YoY | 3.08% | 71th pct | 75th pct |
| Efficiency ratio | 72.43% | 27th pct | 31th pct |
structural peer set hash: cac3287607af453da310dfc7f426ca3a… (reproducible)
Closest structural peers
This is the free public view
Claim MIDDLESEX-ESSEX POSTAL EMPLOYEES
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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.