EMBOLD
Charter #11793 · Oregon City, OR · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 36,496 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 0.15% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 4.35% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.03% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.16% sits at the 85th 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 | EMBOLD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $596.06M | 24th pct | 20th pct |
| Members | 36,496 | 36th pct | 25th pct |
| Net worth ratio | 9.96% | 42th pct | 54th pct |
| Return on average assets | 0.15% | 12th pct | 18th pct |
| Net interest margin | 4.35% | 93th pct | 95th pct |
| Cost of funds | 1.03% | 24th pct | 16th pct |
| Loan-to-share | 81.23% | 51th pct | 38th pct |
| Delinquency 60+ days | 1.16% | 84th pct | 85th pct |
| Net charge-off ratio | 0.96% | 85th pct | 74th pct |
| Loan growth YoY | -2.63% | 14th pct | 16th pct |
| Share growth YoY | -0.41% | 5th pct | 11th pct |
| Efficiency ratio | 84.85% | 78th pct | 74th pct |
structural peer set hash: 6477e0874a20d9d79eb92c52ae6fa91d… (reproducible)
Closest structural peers
This is the free public view
Claim EMBOLD
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.