SOUTHBRIDGE
Charter #66374 · Southbridge, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.24% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 69th — a 41-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 | SOUTHBRIDGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $242.27M | 61th pct | 44th pct |
| Members | 11,310 | 40th pct | 44th pct |
| Net worth ratio | 10.53% | 36th pct | 38th pct |
| Return on average assets | 0.49% | 36th pct | 49th pct |
| Net interest margin | 3.42% | 35th pct | 70th pct |
| Cost of funds | 1.34% | 57th pct | 31th pct |
| Loan-to-share | 83.13% | 76th pct | 46th pct |
| Delinquency 60+ days | 0.24% | 17th pct | 18th pct |
| Net charge-off ratio | 0.18% | 28th pct | 69th pct |
| Loan growth YoY | 1.03% | 57th pct | 46th pct |
| Share growth YoY | 5.37% | 75th pct | 74th pct |
| Efficiency ratio | 87.56% | 79th pct | 61th pct |
structural peer set hash: b5f4e225b3266ea626cf69cc745bc0ac… (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.