HTM
Charter #67749 · Haverhill, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,792 sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.05% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.04% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 26th — a 34-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 | HTM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.48M | 60th pct | 26th pct |
| Members | 1,792 | 37th pct | 23th pct |
| Net worth ratio | 13.69% | 50th pct | 70th pct |
| Return on average assets | 0.69% | 52th pct | 51th pct |
| Net interest margin | 3.05% | 18th pct | 20th pct |
| Cost of funds | 1.31% | 71th pct | 74th pct |
| Loan-to-share | 60.14% | 54th pct | 57th pct |
| Delinquency 60+ days | 0.04% | 13th pct | 16th pct |
| Net charge-off ratio | 0.00% | 23th pct | 16th pct |
| Loan growth YoY | -0.63% | 65th pct | 44th pct |
| Share growth YoY | 10.19% | 95th pct | 90th pct |
| Efficiency ratio | 79.30% | 47th pct | 51th pct |
structural peer set hash: 4c36b54a24f63bc17d8ac214c8f4cc1a… (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.