NORFOLK COMMUNITY
Charter #8828 · Norfolk, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,589 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.15% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.95% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 62nd — 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 | NORFOLK COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.59M | 69th pct | 46th pct |
| Members | 3,589 | 86th pct | 89th pct |
| Net worth ratio | 12.20% | 38th pct | 62th pct |
| Return on average assets | 1.15% | 74th pct | 77th pct |
| Net interest margin | 3.81% | 47th pct | 59th pct |
| Cost of funds | 1.02% | 59th pct | 48th pct |
| Loan-to-share | 68.38% | 68th pct | 64th pct |
| Delinquency 60+ days | 0.53% | 47th pct | 57th pct |
| Net charge-off ratio | 0.26% | 60th pct | 74th pct |
| Loan growth YoY | -4.44% | 34th pct | 18th pct |
| Share growth YoY | 0.28% | 28th pct | 36th pct |
| Efficiency ratio | 64.95% | 17th pct | 10th pct |
structural peer set hash: 00203947af5db53f5a3f85600931a1c3… (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.