MEMBERS PLUS
Charter #66706 · Medford, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.54% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 2.13% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.26% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 118.21% sits at the 98th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 59th — 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 | MEMBERS PLUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $356.44M | 83th pct | 74th pct |
| Members | 13,687 | 52th pct | 52th pct |
| Net worth ratio | 10.91% | 42th pct | 48th pct |
| Return on average assets | -0.54% | 3th pct | 2th pct |
| Net interest margin | 2.13% | 1th pct | 3th pct |
| Cost of funds | 2.26% | 94th pct | 98th pct |
| Loan-to-share | 59.85% | 27th pct | 31th pct |
| Delinquency 60+ days | 0.76% | 63th pct | 61th pct |
| Net charge-off ratio | 0.21% | 32th pct | 59th pct |
| Loan growth YoY | -3.28% | 15th pct | 15th pct |
| Share growth YoY | 6.36% | 83th pct | 89th pct |
| Efficiency ratio | 118.21% | 99th pct | 98th pct |
structural peer set hash: e5b920d23fa5d3aa1abc9acf2ca9c525… (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.