CANOPY
Charter #11162 · SPOKANE, WA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.96% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of -0.52% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.15% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.90% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.89% sits at the 79th percentile of structural peers — worth a closer look.
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 | CANOPY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $222.22M | 57th pct | 39th pct |
| Members | 13,443 | 51th pct | 31th pct |
| Net worth ratio | 8.96% | 13th pct | 25th pct |
| Return on average assets | -0.52% | 3th pct | 5th pct |
| Net interest margin | 4.37% | 86th pct | 70th pct |
| Cost of funds | 1.36% | 59th pct | 51th pct |
| Loan-to-share | 90.71% | 89th pct | 77th pct |
| Delinquency 60+ days | 1.15% | 82th pct | 87th pct |
| Net charge-off ratio | 0.90% | 86th pct | 84th pct |
| Loan growth YoY | 1.61% | 63th pct | 58th pct |
| Share growth YoY | 2.14% | 30th pct | 43th pct |
| Efficiency ratio | 88.89% | 82th pct | 79th pct |
structural peer set hash: 34bee621b6080bfb6d1a88bfb38a3129… (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.