MASS. INSTITUTE OF TECH.
Charter #3830 · Lexington, MA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.14% sits at the 20th percentile of structural peers — worth a closer look.
- Efficiency ratio of 95.20% sits at the 85th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 66th — a 31-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 | MASS. INSTITUTE OF TECH. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $743.03M | 58th pct | 48th pct |
| Members | 35,226 | 30th pct | 48th pct |
| Net worth ratio | 9.67% | 35th pct | 49th pct |
| Return on average assets | 0.14% | 11th pct | 20th pct |
| Net interest margin | 2.98% | 19th pct | 48th pct |
| Cost of funds | 1.25% | 35th pct | 31th pct |
| Loan-to-share | 80.24% | 48th pct | 26th pct |
| Delinquency 60+ days | 1.05% | 81th pct | 74th pct |
| Net charge-off ratio | 0.29% | 35th pct | 66th pct |
| Loan growth YoY | 0.18% | 42th pct | 41th pct |
| Share growth YoY | 2.45% | 27th pct | 31th pct |
| Efficiency ratio | 95.20% | 97th pct | 85th pct |
structural peer set hash: c7ae2df1a4bfc044061ba9931fd7c10a… (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.