WESTERLY COMMUNITY
Charter #67270 · Wakefield, RI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 21,705 sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.36% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.27% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.08% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 61st — a 32-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 | WESTERLY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $511.42M | 4th pct | 15th pct |
| Members | 21,705 | 4th pct | 15th pct |
| Net worth ratio | 9.39% | 27th pct | 41th pct |
| Return on average assets | 0.62% | 50th pct | 61th pct |
| Net interest margin | 3.18% | 28th pct | 61th pct |
| Cost of funds | 0.36% | 12th pct | 7th pct |
| Loan-to-share | 91.63% | 83th pct | 59th pct |
| Delinquency 60+ days | 0.27% | 19th pct | 18th pct |
| Net charge-off ratio | 0.08% | 7th pct | 23th pct |
| Loan growth YoY | 1.97% | 59th pct | 61th pct |
| Share growth YoY | 0.84% | 12th pct | 13th pct |
| Efficiency ratio | 80.50% | 61th pct | 51th pct |
structural peer set hash: a77def1cac0d869e8242a39d4903e4c2… (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.