ALBRIGHT
Charter #68620 · Bethel, CT · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.09% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.94% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 76.99% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 23rd — a 20-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 | ALBRIGHT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $75.15M | 58th pct | 46th pct |
| Members | 5,590 | 59th pct | 59th pct |
| Net worth ratio | 11.43% | 34th pct | 49th pct |
| Return on average assets | 1.09% | 69th pct | 85th pct |
| Net interest margin | 3.93% | 63th pct | 74th pct |
| Cost of funds | 0.89% | 48th pct | 44th pct |
| Loan-to-share | 60.93% | 51th pct | 44th pct |
| Delinquency 60+ days | 1.94% | 93th pct | 89th pct |
| Net charge-off ratio | 0.05% | 24th pct | 34th pct |
| Loan growth YoY | 0.05% | 65th pct | 61th pct |
| Share growth YoY | 3.37% | 57th pct | 56th pct |
| Efficiency ratio | 76.99% | 43th pct | 23th pct |
structural peer set hash: 247f700ad38485751f2fc4dbdb637184… (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.