ST. MICHAELS FALL RIVER
Charter #8915 · Fall River, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,165 sits at the 5th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.81% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of -0.06% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 2.56% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.11% sits at the 75th percentile of structural peers — worth a closer look.
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 | ST. MICHAELS FALL RIVER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $123.61M | 15th pct | 25th pct |
| Members | 3,165 | 1th pct | 5th pct |
| Net worth ratio | 8.81% | 11th pct | 20th pct |
| Return on average assets | -0.06% | 7th pct | 18th pct |
| Net interest margin | 3.35% | 32th pct | 52th pct |
| Cost of funds | 2.56% | 97th pct | 87th pct |
| Loan-to-share | 92.72% | 93th pct | 77th pct |
| Delinquency 60+ days | 1.11% | 80th pct | 75th pct |
| Net charge-off ratio | -0.01% | 4th pct | 5th pct |
| Loan growth YoY | -2.93% | 17th pct | 15th pct |
| Share growth YoY | -1.80% | 4th pct | 20th pct |
| Efficiency ratio | 101.62% | 98th pct | 85th pct |
structural peer set hash: c7414eb12fc6fe956777ac7293159234… (reproducible)
Closest structural peers
This is the free public view
Claim ST. MICHAELS FALL RIVER
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.