Nesc

METHUEN, MA · 1 · Charter #12334 · www.nescfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$121.1M
58th percentile
Members
7,860
52th percentile
Total loans
$88.0M
69th percentile
Total shares
$107.7M
61th percentile

Profitability

Return on assets
0.89%
41th percentile
Net interest margin
4.02%
70th percentile
Efficiency ratio
69.74%
27th percentile
Non-interest income ratio
17.15%
49th percentile

Capital & Risk

Net worth ratio
10.74%
32th percentile
Delinquency rate
0.94%
37th percentile
Net charge-off rate
0.13%
79th percentile
Loan-to-share
81.74%
74th percentile

Growth

Member growth YoY
0.23%
61th percentile
Asset growth YoY
6.36%
72th percentile
Loan growth YoY
-0.25%
40th percentile
Share growth YoY
6.34%
73th percentile

Operations

Members / branch
1,965
20th percentile
Assets / member
$15,408
58th percentile
Field of membership penetration
0.63%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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