DIRECT
Charter #9071 · Needham, MA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 23,538 sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of -0.10% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.20% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.88% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 98.24% sits at the 95th 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 | DIRECT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $789.82M | 67th pct | 33th pct |
| Members | 23,538 | 4th pct | 8th pct |
| Net worth ratio | 11.32% | 63th pct | 64th pct |
| Return on average assets | -0.10% | 4th pct | 5th pct |
| Net interest margin | 2.20% | 2th pct | 2th pct |
| Cost of funds | 2.88% | 98th pct | 90th pct |
| Loan-to-share | 112.62% | 99th pct | 90th pct |
| Delinquency 60+ days | 0.40% | 31th pct | 38th pct |
| Net charge-off ratio | 0.16% | 15th pct | 30th pct |
| Loan growth YoY | -0.09% | 38th pct | 21th pct |
| Share growth YoY | 0.80% | 11th pct | 16th pct |
| Efficiency ratio | 98.24% | 98th pct | 95th pct |
structural peer set hash: 023ffad899d973677c23e025cbc18a39… (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.