MASS BAY
Charter #68137 · SOUTH BOSTON, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.91% sits at the 25th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 96th percentile but its structural peers at the 66th — 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.
| Metric | MASS BAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $367.71M | 85th pct | 64th pct |
| Members | 17,688 | 68th pct | 66th pct |
| Net worth ratio | 11.26% | 47th pct | 39th pct |
| Return on average assets | 0.50% | 37th pct | 43th pct |
| Net interest margin | 2.91% | 11th pct | 25th pct |
| Cost of funds | 2.40% | 96th pct | 66th pct |
| Loan-to-share | 117.40% | 100th pct | 97th pct |
| Delinquency 60+ days | 0.64% | 52th pct | 56th pct |
| Net charge-off ratio | 0.06% | 13th pct | 34th pct |
| Loan growth YoY | -0.41% | 43th pct | 28th pct |
| Share growth YoY | 4.36% | 63th pct | 74th pct |
| Efficiency ratio | 85.01% | 72th pct | 59th pct |
structural peer set hash: 8d75ee1d188cdb9d76893cbd464c7c22… (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.