NEW BEDFORD
Charter #66733 · New Bedford, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.77% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.98% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 63rd percentile but its structural peers at the 34th — a 28-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 | NEW BEDFORD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $168.58M | 38th pct | 36th pct |
| Members | 10,582 | 35th pct | 52th pct |
| Net worth ratio | 10.82% | 40th pct | 51th pct |
| Return on average assets | 0.66% | 47th pct | 72th pct |
| Net interest margin | 3.77% | 57th pct | 77th pct |
| Cost of funds | 0.98% | 38th pct | 20th pct |
| Loan-to-share | 76.93% | 60th pct | 41th pct |
| Delinquency 60+ days | 0.61% | 50th pct | 41th pct |
| Net charge-off ratio | 0.19% | 29th pct | 54th pct |
| Loan growth YoY | 1.48% | 62th pct | 61th pct |
| Share growth YoY | 1.24% | 20th pct | 33th pct |
| Efficiency ratio | 82.05% | 63th pct | 34th pct |
structural peer set hash: 480c27bcd9d70134c530e24349487c03… (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.