Innorve

NAVEO

Charter #68046 · SOMERVILLE, MA · $100M-$500M

Public 5300 data · as of 2026Q1

What the numbers say

  • Net worth ratio of 8.56% sits at the 15th percentile of structural peers — worth a closer look.
  • Cost of funds of 0.25% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
  • Net charge-off ratio of 0.02% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
  • On Return on average assets, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 56th — a 30-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.

MetricNAVEOAsset-tier percentileStructural percentile
Total assets$174.62M41th pct39th pct
Members6,6819th pct28th pct
Net worth ratio8.56%8th pct15th pct
Return on average assets0.35%26th pct56th pct
Net interest margin3.58%45th pct74th pct
Cost of funds0.25%11th pct8th pct
Loan-to-share72.13%51th pct28th pct
Delinquency 60+ days0.94%73th pct62th pct
Net charge-off ratio0.02%8th pct20th pct
Loan growth YoY1.45%61th pct61th pct
Share growth YoY0.53%13th pct30th pct
Efficiency ratio90.30%86th pct57th pct

structural peer set hash: 421eb8e699148bd9056894200c9a3c73… (reproducible)

Closest structural peers

TREMONT75.6%
#68349 · MA
RIVER WORKS67.3%
#66346 · MA
ALLTRUST64.4%
#67481 · MA
ST. JEAN'S63.9%
#67959 · MA
SOMERSET63.8%
#24239 · MA
NEW BEDFORD63.6%
#66733 · MA
This is the free public view

Claim NAVEO

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.

Claim this charter

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.