MALDEN
Charter #4472 · Malden, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,554 sits at the 16th percentile of structural peers — worth a closer look.
- Net worth ratio of 17.05% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.73% sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.05% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | MALDEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.95M | 58th pct | 20th pct |
| Members | 1,554 | 26th pct | 16th pct |
| Net worth ratio | 17.05% | 72th pct | 75th pct |
| Return on average assets | 0.41% | 36th pct | 33th pct |
| Net interest margin | 2.73% | 10th pct | 10th pct |
| Cost of funds | 1.48% | 77th pct | 72th pct |
| Loan-to-share | 52.54% | 42th pct | 51th pct |
| Delinquency 60+ days | 0.05% | 15th pct | 15th pct |
| Net charge-off ratio | 0.00% | 23th pct | 21th pct |
| Loan growth YoY | 3.44% | 89th pct | 89th pct |
| Share growth YoY | 1.02% | 35th pct | 46th pct |
| Efficiency ratio | 85.49% | 63th pct | 64th pct |
structural peer set hash: f3eddb272f3a027c64ec59a7c9e6e56c… (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.