ST. ANNE'S
Charter #67605 · Fall River, MA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.52% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.62% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.18% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 75.47% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 61st — a 49-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 | ST. ANNE'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.35B | 22th pct | 62th pct |
| Members | 61,731 | 11th pct | 61th pct |
| Net worth ratio | 9.57% | 23th pct | 41th pct |
| Return on average assets | 0.60% | 41th pct | 67th pct |
| Net interest margin | 2.52% | 9th pct | 10th pct |
| Cost of funds | 0.62% | 14th pct | 11th pct |
| Loan-to-share | 90.48% | 63th pct | 52th pct |
| Delinquency 60+ days | 0.18% | 7th pct | 7th pct |
| Net charge-off ratio | 0.19% | 14th pct | 30th pct |
| Loan growth YoY | -6.12% | 1th pct | 2th pct |
| Share growth YoY | 7.02% | 83th pct | 97th pct |
| Efficiency ratio | 75.47% | 60th pct | 16th pct |
structural peer set hash: 3b6c75eaac529af8c62a05b76ff9c616… (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.