ALDEN
Charter #67951 · Chicopee, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.28% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.73% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.03% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 66th — a 19-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 | ALDEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $187.91M | 47th pct | 48th pct |
| Members | 12,757 | 48th pct | 64th pct |
| Net worth ratio | 8.99% | 14th pct | 28th pct |
| Return on average assets | 0.25% | 20th pct | 34th pct |
| Net interest margin | 2.28% | 2th pct | 8th pct |
| Cost of funds | 0.73% | 27th pct | 11th pct |
| Loan-to-share | 96.44% | 97th pct | 84th pct |
| Delinquency 60+ days | 0.81% | 66th pct | 67th pct |
| Net charge-off ratio | 0.03% | 10th pct | 21th pct |
| Loan growth YoY | -1.02% | 36th pct | 30th pct |
| Share growth YoY | 0.85% | 16th pct | 31th pct |
| Efficiency ratio | 89.69% | 85th pct | 66th pct |
structural peer set hash: e8aaf0792f9eb419ae465c0dfd01df49… (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.