HANSCOM
Charter #9095 · Hanscom AFB, MA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.33% sits at the 7th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.13% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 88.94% sits at the 98th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 96th percentile but its structural peers at the 79th — a 18-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 | HANSCOM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.19B | 50th pct | 62th pct |
| Members | 96,606 | 39th pct | 51th pct |
| Net worth ratio | 10.35% | 40th pct | 39th pct |
| Return on average assets | 0.33% | 16th pct | 7th pct |
| Net interest margin | 3.20% | 40th pct | 36th pct |
| Cost of funds | 1.98% | 60th pct | 64th pct |
| Loan-to-share | 85.51% | 46th pct | 49th pct |
| Delinquency 60+ days | 0.60% | 47th pct | 54th pct |
| Net charge-off ratio | 0.13% | 8th pct | 13th pct |
| Loan growth YoY | 12.89% | 96th pct | 79th pct |
| Share growth YoY | 20.40% | 97th pct | 86th pct |
| Efficiency ratio | 88.94% | 96th pct | 98th pct |
structural peer set hash: cdb055c68e9aeb9e7124c3f3396655cc… (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.