IRONWORKERS USA
Charter #13649 · Portland, OR · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.18% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.60% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.95% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.13% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.34% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 | IRONWORKERS USA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $147.13M | 30th pct | 36th pct |
| Members | 18,169 | 70th pct | 57th pct |
| Net worth ratio | 11.50% | 51th pct | 61th pct |
| Return on average assets | 1.11% | 75th pct | 74th pct |
| Net interest margin | 5.18% | 98th pct | 89th pct |
| Cost of funds | 2.60% | 97th pct | 95th pct |
| Loan-to-share | 92.68% | 93th pct | 90th pct |
| Delinquency 60+ days | 2.95% | 98th pct | 98th pct |
| Net charge-off ratio | 1.13% | 92th pct | 82th pct |
| Loan growth YoY | 4.86% | 86th pct | 79th pct |
| Share growth YoY | 4.44% | 63th pct | 56th pct |
| Efficiency ratio | 66.34% | 18th pct | 20th pct |
structural peer set hash: a853cca0900fa6d9688cc7c2b7016f3a… (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.