SUNSET
Charter #13416 · PORTLAND, OR · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.49% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 34th — a 51-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 | SUNSET | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $91.38M | 86th pct | 34th pct |
| Members | 3,559 | 20th pct | 31th pct |
| Net worth ratio | 15.93% | 75th pct | 62th pct |
| Return on average assets | 1.49% | 84th pct | 79th pct |
| Net interest margin | 3.48% | 38th pct | 56th pct |
| Cost of funds | 1.51% | 81th pct | 36th pct |
| Loan-to-share | 102.72% | 100th pct | 82th pct |
| Delinquency 60+ days | 1.09% | 75th pct | 66th pct |
| Net charge-off ratio | 0.00% | 18th pct | 13th pct |
| Loan growth YoY | 0.16% | 66th pct | 54th pct |
| Share growth YoY | -1.44% | 9th pct | 25th pct |
| Efficiency ratio | 62.32% | 13th pct | 26th pct |
structural peer set hash: 10b09b52cfb9f625c18ffd9d99b90484… (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.