MASSACHUSETTS FAMILY
Charter #24924 · LYNN, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,389 sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.93% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 3.34% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.01% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 33rd — a 26-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 | MASSACHUSETTS FAMILY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.18M | 59th pct | 33th pct |
| Members | 1,389 | 20th pct | 23th pct |
| Net worth ratio | 16.44% | 68th pct | 62th pct |
| Return on average assets | 0.35% | 33th pct | 41th pct |
| Net interest margin | 2.93% | 14th pct | 21th pct |
| Cost of funds | 3.34% | 99th pct | 92th pct |
| Loan-to-share | 106.93% | 99th pct | 87th pct |
| Delinquency 60+ days | 0.01% | 11th pct | 8th pct |
| Net charge-off ratio | 0.04% | 41th pct | 36th pct |
| Loan growth YoY | -1.65% | 56th pct | 36th pct |
| Share growth YoY | -4.07% | 5th pct | 10th pct |
| Efficiency ratio | 87.12% | 67th pct | 56th pct |
structural peer set hash: 9eea8bf4e358a9668b088e48ac67a20b… (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.