BILLERICA MUNICIPAL EMPLOYEES
Charter #66336 · BILLERICA, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.19% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 0.16% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.93% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 36th — a 24-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 | BILLERICA MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.81M | 46th pct | 51th pct |
| Members | 1,258 | 15th pct | 31th pct |
| Net worth ratio | 17.34% | 73th pct | 66th pct |
| Return on average assets | 0.82% | 58th pct | 61th pct |
| Net interest margin | 2.19% | 3th pct | 7th pct |
| Cost of funds | 0.16% | 11th pct | 13th pct |
| Loan-to-share | 32.51% | 12th pct | 36th pct |
| Delinquency 60+ days | 0.07% | 17th pct | 11th pct |
| Net charge-off ratio | 0.00% | 23th pct | 28th pct |
| Loan growth YoY | -8.23% | 13th pct | 28th pct |
| Share growth YoY | -1.22% | 17th pct | 21th pct |
| Efficiency ratio | 62.93% | 15th pct | 18th pct |
structural peer set hash: 7dc08bb9b6cd17662e1c7014f13eddac… (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.