OLD WEST
Charter #12012 · JOHN DAY, OR · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.87% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.69% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.01% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 94.73% sits at the 87th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 92nd — a 27-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 | OLD WEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $320.47M | 76th pct | 64th pct |
| Members | 15,720 | 62th pct | 64th pct |
| Net worth ratio | 11.79% | 54th pct | 62th pct |
| Return on average assets | 0.23% | 18th pct | 26th pct |
| Net interest margin | 3.87% | 65th pct | 92th pct |
| Cost of funds | 1.26% | 53th pct | 34th pct |
| Loan-to-share | 69.24% | 44th pct | 31th pct |
| Delinquency 60+ days | 1.69% | 93th pct | 87th pct |
| Net charge-off ratio | 0.01% | 7th pct | 16th pct |
| Loan growth YoY | 1.40% | 60th pct | 57th pct |
| Share growth YoY | 5.90% | 80th pct | 80th pct |
| Efficiency ratio | 94.73% | 94th pct | 87th pct |
structural peer set hash: d9b91b1ed892424f1d12bbada85979bf… (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.