MUTUAL SECURITY
Charter #68479 · SHELTON, CT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.86% sits at the 25th percentile of structural peers — worth a closer look.
- Efficiency ratio of 87.74% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 59th — a 27-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 | MUTUAL SECURITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $379.10M | 86th pct | 59th pct |
| Members | 26,354 | 90th pct | 74th pct |
| Net worth ratio | 8.86% | 12th pct | 25th pct |
| Return on average assets | 0.28% | 21th pct | 26th pct |
| Net interest margin | 3.59% | 46th pct | 26th pct |
| Cost of funds | 1.51% | 67th pct | 43th pct |
| Loan-to-share | 92.40% | 93th pct | 84th pct |
| Delinquency 60+ days | 0.44% | 35th pct | 30th pct |
| Net charge-off ratio | 0.32% | 46th pct | 34th pct |
| Loan growth YoY | -1.79% | 27th pct | 7th pct |
| Share growth YoY | 6.14% | 81th pct | 77th pct |
| Efficiency ratio | 87.74% | 79th pct | 75th pct |
structural peer set hash: 1573a3190a1bd5801c2f79c74cb3da78… (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.