Mass Bay

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

$362.4M

33^th percentile

Members

17,626

15^th percentile

Total loans

$307.8M

52^th percentile

Total shares

$253.6M

15^th percentile

Profitability

Return on assets

-0.15%

3^th percentile

Net interest margin

2.87%

18^th percentile

Efficiency ratio

53.20%

72^th percentile

Non-interest income ratio

11.67%

11^th percentile

Capital & Risk

Net worth ratio

11.30%

56^th percentile

Delinquency rate

0.78%

44^th percentile

Net charge-off rate

0.08%

91^th percentile

Loan-to-share

121.36%

99^th percentile

Growth

Member growth YoY

-2.31%

21^th percentile

Asset growth YoY

2.18%

26^th percentile

Loan growth YoY

3.97%

50^th percentile

Share growth YoY

2.15%

28^th percentile

Operations

Members / branch

4,407

46^th percentile

Assets / member

$20,560

78^th percentile

Field of membership penetration

0.55%

7^th percentile

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