HOLYOKE
Charter #67875 · Holyoke, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 21,601 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.94% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.65% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.36% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 43rd — a 29-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 | HOLYOKE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $299.39M | 73th pct | 64th pct |
| Members | 21,601 | 82th pct | 85th pct |
| Net worth ratio | 8.94% | 13th pct | 16th pct |
| Return on average assets | 0.42% | 31th pct | 51th pct |
| Net interest margin | 3.19% | 23th pct | 34th pct |
| Cost of funds | 0.65% | 24th pct | 8th pct |
| Loan-to-share | 81.38% | 72th pct | 43th pct |
| Delinquency 60+ days | 0.36% | 27th pct | 23th pct |
| Net charge-off ratio | 0.26% | 38th pct | 62th pct |
| Loan growth YoY | 5.27% | 88th pct | 84th pct |
| Share growth YoY | 3.83% | 56th pct | 69th pct |
| Efficiency ratio | 82.97% | 66th pct | 49th pct |
structural peer set hash: d08e5ff5f5a757005a0721433756c8dd… (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.