QUINCY
Charter #67709 · Quincy, MA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.25% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.76% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.21% ranks in the 18th 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 | QUINCY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $732.97M | 55th pct | 43th pct |
| Members | 39,322 | 45th pct | 34th pct |
| Net worth ratio | 14.25% | 89th pct | 90th pct |
| Return on average assets | 0.59% | 47th pct | 48th pct |
| Net interest margin | 2.76% | 12th pct | 8th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 71.00% | 23th pct | 34th pct |
| Delinquency 60+ days | 0.46% | 36th pct | 39th pct |
| Net charge-off ratio | 0.21% | 22th pct | 18th pct |
| Loan growth YoY | 3.99% | 83th pct | 77th pct |
| Share growth YoY | 2.69% | 30th pct | 26th pct |
| Efficiency ratio | 80.57% | 62th pct | 59th pct |
structural peer set hash: b969746224b9075f447807f47ec778e1… (reproducible)
Closest structural peers
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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.