NORTHEAST COMMUNITY
Charter #23780 · San Francisco, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 30.24% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.61% ranks in the 97th 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 Members, the asset-size band puts this credit union at the 4th percentile but its structural peers at the 31st — a 27-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 | NORTHEAST COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.79M | 23th pct | 34th pct |
| Members | 930 | 4th pct | 31th pct |
| Net worth ratio | 30.24% | 98th pct | 92th pct |
| Return on average assets | 2.61% | 98th pct | 97th pct |
| Net interest margin | 3.14% | 20th pct | 44th pct |
| Cost of funds | 1.42% | 76th pct | 66th pct |
| Loan-to-share | 52.61% | 42th pct | 51th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 25th pct |
| Loan growth YoY | 24.19% | 100th pct | 97th pct |
| Share growth YoY | 3.68% | 62th pct | 77th pct |
| Efficiency ratio | 67.82% | 22th pct | 33th pct |
structural peer set hash: 9627dce38f6f7f0fdf76aa7bb41fa1f7… (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.