JEANNE D'ARC
Charter #67352 · Lowell, MA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.01% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.47% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 0.83% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.19% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.07% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
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 | JEANNE D'ARC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.19B | 49th pct | 69th pct |
| Members | 101,712 | 43th pct | 70th pct |
| Net worth ratio | 9.01% | 13th pct | 25th pct |
| Return on average assets | 0.37% | 19th pct | 38th pct |
| Net interest margin | 2.47% | 9th pct | 13th pct |
| Cost of funds | 0.83% | 17th pct | 15th pct |
| Loan-to-share | 102.42% | 93th pct | 82th pct |
| Delinquency 60+ days | 0.19% | 8th pct | 13th pct |
| Net charge-off ratio | 0.07% | 3th pct | 11th pct |
| Loan growth YoY | -1.03% | 14th pct | 28th pct |
| Share growth YoY | -1.91% | 1th pct | 5th pct |
| Efficiency ratio | 86.15% | 92th pct | 77th pct |
structural peer set hash: e5c6325e7eb72e19f6cef5bb5cb2ae37… (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.