M.O.S.E.S.
Charter #23627 · Boston, MA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.00% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 67th — a 43-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 | M.O.S.E.S. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.51M | 24th pct | 36th pct |
| Members | 267 | 22th pct | 38th pct |
| Net worth ratio | 21.79% | 65th pct | 49th pct |
| Return on average assets | -0.13% | 30th pct | 28th pct |
| Net interest margin | 5.00% | 77th pct | 79th pct |
| Cost of funds | 0.28% | 38th pct | 52th pct |
| Loan-to-share | 35.18% | 24th pct | 67th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -22.96% | 5th pct | 11th pct |
| Share growth YoY | -8.60% | 9th pct | 11th pct |
| Efficiency ratio | 102.54% | 75th pct | 70th pct |
structural peer set hash: 9bf7796b27a55463647a4c1484758c90… (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.