SCIENCE PARK
Charter #3790 · NEW HAVEN, CT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.04% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 5.11% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.65% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 100.80% sits at the 84th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 54th — 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 | SCIENCE PARK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.72M | 48th pct | 33th pct |
| Members | 591 | 50th pct | 30th pct |
| Net worth ratio | 20.38% | 60th pct | 66th pct |
| Return on average assets | -0.04% | 31th pct | 21th pct |
| Net interest margin | 5.11% | 80th pct | 79th pct |
| Cost of funds | 0.50% | 50th pct | 43th pct |
| Loan-to-share | 83.20% | 81th pct | 54th pct |
| Delinquency 60+ days | 4.65% | 85th pct | 97th pct |
| Net charge-off ratio | 0.05% | 74th pct | 66th pct |
| Loan growth YoY | -6.72% | 41th pct | 31th pct |
| Share growth YoY | 1.60% | 62th pct | 49th pct |
| Efficiency ratio | 100.80% | 73th pct | 84th pct |
structural peer set hash: e690f2fdac69ac60e83f4fadd5b77691… (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.