SANTO CHRISTO
Charter #9822 · FALL RIVER, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.53% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.04% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 10th — 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 | SANTO CHRISTO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $19.22M | 34th pct | 10th pct |
| Members | 1,978 | 45th pct | 39th pct |
| Net worth ratio | 8.53% | 8th pct | 16th pct |
| Return on average assets | 0.85% | 60th pct | 62th pct |
| Net interest margin | 3.89% | 52th pct | 66th pct |
| Cost of funds | 0.04% | 3th pct | 7th pct |
| Loan-to-share | 65.02% | 62th pct | 56th pct |
| Delinquency 60+ days | 0.10% | 22th pct | 28th pct |
| Net charge-off ratio | 0.00% | 23th pct | 26th pct |
| Loan growth YoY | 1.14% | 77th pct | 54th pct |
| Share growth YoY | 7.41% | 89th pct | 80th pct |
| Efficiency ratio | 78.84% | 46th pct | 39th pct |
structural peer set hash: ba267561f0438df231174de3192e05db… (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.