BEVERLY MUNICIPAL
Charter #24192 · Beverly, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.27% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 0.85% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.87% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.59% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% 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 | BEVERLY MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $26.62M | 53th pct | 28th pct |
| Members | 1,893 | 42th pct | 34th pct |
| Net worth ratio | 8.27% | 6th pct | 10th pct |
| Return on average assets | 0.85% | 60th pct | 77th pct |
| Net interest margin | 2.87% | 13th pct | 11th pct |
| Cost of funds | 2.59% | 96th pct | 93th pct |
| Loan-to-share | 82.94% | 87th pct | 66th pct |
| Delinquency 60+ days | 0.18% | 28th pct | 26th pct |
| Net charge-off ratio | -0.01% | 21th pct | 15th pct |
| Loan growth YoY | 7.12% | 95th pct | 95th pct |
| Share growth YoY | 2.15% | 46th pct | 39th pct |
| Efficiency ratio | 70.01% | 27th pct | 10th pct |
structural peer set hash: 8b5ebcf008ae93d68734995573f3de54… (reproducible)
Closest structural peers
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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.