SOMERVILLE SCHOOL EMPLOYEES
Charter #3475 · Somerville, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,381 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of -0.05% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 2.72% sits at the 13th percentile of structural peers — worth a closer look.
- Efficiency ratio of 101.86% sits at the 92nd percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 36th — a 22-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 | SOMERVILLE SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.10M | 44th pct | 25th pct |
| Members | 1,381 | 20th pct | 25th pct |
| Net worth ratio | 16.85% | 71th pct | 70th pct |
| Return on average assets | -0.05% | 16th pct | 7th pct |
| Net interest margin | 2.72% | 9th pct | 13th pct |
| Cost of funds | 1.01% | 59th pct | 36th pct |
| Loan-to-share | 43.64% | 26th pct | 30th pct |
| Delinquency 60+ days | 0.29% | 35th pct | 44th pct |
| Net charge-off ratio | 0.00% | 23th pct | 34th pct |
| Loan growth YoY | -7.26% | 16th pct | 8th pct |
| Share growth YoY | 3.08% | 57th pct | 51th pct |
| Efficiency ratio | 101.86% | 90th pct | 92th pct |
structural peer set hash: e749a1ff09f2003e9ff6bb8729b53452… (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.