CHELSEA EMPLOYEES
Charter #851 · Chelsea, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.58% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.20% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.83% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 26th — a 24-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 | CHELSEA EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.17M | 39th pct | 36th pct |
| Members | 2,248 | 56th pct | 51th pct |
| Net worth ratio | 8.58% | 8th pct | 8th pct |
| Return on average assets | 0.28% | 30th pct | 26th pct |
| Net interest margin | 4.33% | 72th pct | 62th pct |
| Cost of funds | 0.70% | 44th pct | 33th pct |
| Loan-to-share | 77.77% | 82th pct | 61th pct |
| Delinquency 60+ days | 0.20% | 30th pct | 25th pct |
| Net charge-off ratio | 0.19% | 55th pct | 52th pct |
| Loan growth YoY | -2.39% | 51th pct | 26th pct |
| Share growth YoY | 1.53% | 40th pct | 39th pct |
| Efficiency ratio | 93.83% | 80th pct | 82th pct |
structural peer set hash: 14e1c98e075f6ad0b7e53b57661de311… (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.