ST. JEAN'S
Charter #67959 · lynn, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.80% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.14% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.22% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 58th percentile but its structural peers at the 36th — 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 | ST. JEAN'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $377.33M | 86th pct | 70th pct |
| Members | 18,143 | 70th pct | 66th pct |
| Net worth ratio | 9.64% | 23th pct | 38th pct |
| Return on average assets | 0.29% | 22th pct | 39th pct |
| Net interest margin | 2.80% | 8th pct | 21th pct |
| Cost of funds | 0.14% | 8th pct | 5th pct |
| Loan-to-share | 75.93% | 58th pct | 36th pct |
| Delinquency 60+ days | 0.22% | 15th pct | 10th pct |
| Net charge-off ratio | 0.19% | 30th pct | 49th pct |
| Loan growth YoY | -1.62% | 29th pct | 20th pct |
| Share growth YoY | 1.25% | 20th pct | 31th pct |
| Efficiency ratio | 94.23% | 93th pct | 74th pct |
structural peer set hash: a69592d8998a8f57223a8100eaae9961… (reproducible)
Closest structural peers
This is the free public view
Claim ST. JEAN'S
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.