North Adams M E

North Adams, MA · 1 · Charter #13274
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.2M
13th percentile
Members
332
11th percentile
Total loans
$1.2M
17th percentile
Total shares
$1.8M
14th percentile

Profitability

Return on assets
0.50%
35th percentile
Net interest margin
4.81%
79th percentile
Efficiency ratio
88.56%
14th percentile
Non-interest income ratio
3.50%
26th percentile

Capital & Risk

Net worth ratio
19.72%
73th percentile
Delinquency rate
4.18%
9th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
68.56%
61th percentile

Growth

Member growth YoY
-2.06%
43th percentile
Asset growth YoY
5.62%
78th percentile
Loan growth YoY
-8.63%
28th percentile
Share growth YoY
6.47%
82th percentile

Operations

Members / branch
332
15th percentile
Assets / member
$6,693
28th percentile
Field of membership penetration
33.98%
48th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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