Umassfive College

Hadley, MA · 1 · Charter #18181 · www.umassfive.coop
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$703.5M
78th percentile
Members
50,733
88th percentile
Total loans
$543.9M
84th percentile
Total shares
$596.1M
79th percentile

Profitability

Return on assets
0.49%
18th percentile
Net interest margin
3.40%
45th percentile
Efficiency ratio
58.42%
54th percentile
Non-interest income ratio
11.93%
12th percentile

Capital & Risk

Net worth ratio
9.38%
23th percentile
Delinquency rate
0.92%
32th percentile
Net charge-off rate
0.29%
62th percentile
Loan-to-share
91.23%
77th percentile

Growth

Member growth YoY
1.45%
61th percentile
Asset growth YoY
0.97%
18th percentile
Loan growth YoY
-1.08%
21th percentile
Share growth YoY
4.76%
52th percentile

Operations

Members / branch
8,456
89th percentile
Assets / member
$13,867
29th percentile
Field of membership penetration
61.87%
96th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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