ALPHA
Charter #67872 · Boston, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,765 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 18.33% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.12% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.54% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.09% ranks in the 7th 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 | ALPHA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $35.06M | 73th pct | 61th pct |
| Members | 3,765 | 88th pct | 75th pct |
| Net worth ratio | 18.33% | 79th pct | 84th pct |
| Return on average assets | 2.12% | 96th pct | 92th pct |
| Net interest margin | 4.54% | 80th pct | 80th pct |
| Cost of funds | 0.09% | 6th pct | 7th pct |
| Loan-to-share | 66.86% | 66th pct | 52th pct |
| Delinquency 60+ days | 0.16% | 27th pct | 21th pct |
| Net charge-off ratio | 0.03% | 40th pct | 41th pct |
| Loan growth YoY | -3.53% | 41th pct | 33th pct |
| Share growth YoY | 0.31% | 29th pct | 28th pct |
| Efficiency ratio | 66.53% | 20th pct | 31th pct |
structural peer set hash: bbca060dea836ff134bb9a50aee9a013… (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.