GREATER SPRINGFIELD
Charter #67902 · SPRINGFIELD, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.52% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.91% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.01% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 52.58% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 52nd — a 22-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 | GREATER SPRINGFIELD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $227.84M | 59th pct | 59th pct |
| Members | 10,953 | 37th pct | 59th pct |
| Net worth ratio | 19.52% | 97th pct | 87th pct |
| Return on average assets | 1.91% | 95th pct | 90th pct |
| Net interest margin | 3.32% | 30th pct | 52th pct |
| Cost of funds | 1.00% | 38th pct | 43th pct |
| Loan-to-share | 60.22% | 27th pct | 41th pct |
| Delinquency 60+ days | 0.01% | 1th pct | 2th pct |
| Net charge-off ratio | 0.01% | 7th pct | 30th pct |
| Loan growth YoY | 1.65% | 63th pct | 72th pct |
| Share growth YoY | -2.41% | 2th pct | 2th pct |
| Efficiency ratio | 52.58% | 3th pct | 11th pct |
structural peer set hash: 499d7e40cd130df2015ed0693c677cb4… (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.