MILLBURY
Charter #24543 · Millbury, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 30,003 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.95% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.29% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.08% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.73% sits at the 75th percentile of structural peers — worth a closer look.
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 | MILLBURY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $478.27M | 98th pct | 80th pct |
| Members | 30,003 | 94th pct | 77th pct |
| Net worth ratio | 9.46% | 20th pct | 38th pct |
| Return on average assets | 0.31% | 24th pct | 34th pct |
| Net interest margin | 2.95% | 12th pct | 18th pct |
| Cost of funds | 1.43% | 63th pct | 46th pct |
| Loan-to-share | 81.29% | 71th pct | 48th pct |
| Delinquency 60+ days | 0.29% | 21th pct | 18th pct |
| Net charge-off ratio | 0.08% | 15th pct | 21th pct |
| Loan growth YoY | -0.50% | 41th pct | 28th pct |
| Share growth YoY | 0.99% | 17th pct | 21th pct |
| Efficiency ratio | 90.73% | 86th pct | 75th pct |
structural peer set hash: 1666d2fbc87d23cc787c87e26f497eb3… (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.