FALL RIVER MUNICIPAL
Charter #67894 · Fall River, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.02% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 1.94% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.10% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.23% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 96.56% sits at the 87th percentile of structural peers — worth a closer look.
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 | FALL RIVER MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $315.09M | 75th pct | 62th pct |
| Members | 13,082 | 50th pct | 54th pct |
| Net worth ratio | 9.43% | 20th pct | 28th pct |
| Return on average assets | 0.02% | 9th pct | 10th pct |
| Net interest margin | 1.94% | 1th pct | 2th pct |
| Cost of funds | 1.10% | 44th pct | 20th pct |
| Loan-to-share | 79.67% | 67th pct | 38th pct |
| Delinquency 60+ days | 0.23% | 16th pct | 16th pct |
| Net charge-off ratio | 0.09% | 17th pct | 39th pct |
| Loan growth YoY | 1.66% | 64th pct | 49th pct |
| Share growth YoY | 5.51% | 76th pct | 82th pct |
| Efficiency ratio | 96.56% | 95th pct | 87th pct |
structural peer set hash: ae8ace5ea30b1a4ceaa0986eca0c3265… (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.