CLEARWATER
Charter #11300 · Missoula, MT · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.65% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 72.31% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 59th — a 44-point gap showing why the peer definition matters.
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 | CLEARWATER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.15B | 11th pct | 51th pct |
| Members | 67,211 | 15th pct | 59th pct |
| Net worth ratio | 12.65% | 78th pct | 80th pct |
| Return on average assets | 0.94% | 69th pct | 74th pct |
| Net interest margin | 3.73% | 76th pct | 74th pct |
| Cost of funds | 1.68% | 44th pct | 51th pct |
| Loan-to-share | 90.52% | 63th pct | 59th pct |
| Delinquency 60+ days | 0.46% | 33th pct | 34th pct |
| Net charge-off ratio | 0.33% | 26th pct | 44th pct |
| Loan growth YoY | 1.67% | 48th pct | 52th pct |
| Share growth YoY | 3.44% | 37th pct | 41th pct |
| Efficiency ratio | 72.31% | 49th pct | 21th pct |
structural peer set hash: 8c8e5c010f45542521d48d0809ecd9f9… (reproducible)
Closest structural peers
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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.