SOUTHCOAST
Charter #22426 · New Bedford, MA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.01% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 54th — a 23-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 | SOUTHCOAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $60.28M | 26th pct | 26th pct |
| Members | 4,315 | 34th pct | 44th pct |
| Net worth ratio | 12.03% | 42th pct | 64th pct |
| Return on average assets | 0.62% | 45th pct | 51th pct |
| Net interest margin | 3.14% | 22th pct | 33th pct |
| Cost of funds | 0.91% | 49th pct | 33th pct |
| Loan-to-share | 75.66% | 77th pct | 54th pct |
| Delinquency 60+ days | 0.42% | 39th pct | 49th pct |
| Net charge-off ratio | -0.01% | 11th pct | 13th pct |
| Loan growth YoY | -3.15% | 34th pct | 18th pct |
| Share growth YoY | 4.12% | 66th pct | 67th pct |
| Efficiency ratio | 84.24% | 63th pct | 56th pct |
structural peer set hash: 0817d74d36a21e5c22cae2dea1f62058… (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.