IBEW/SJ CASCADE
Charter #14402 · Salem, OR · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.53% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.47% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.28% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 56th — a 16-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 | IBEW/SJ CASCADE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.52M | 43th pct | 28th pct |
| Members | 2,831 | 71th pct | 61th pct |
| Net worth ratio | 13.56% | 49th pct | 62th pct |
| Return on average assets | 1.53% | 86th pct | 89th pct |
| Net interest margin | 4.32% | 72th pct | 56th pct |
| Cost of funds | 0.67% | 42th pct | 34th pct |
| Loan-to-share | 71.11% | 72th pct | 70th pct |
| Delinquency 60+ days | 1.47% | 78th pct | 89th pct |
| Net charge-off ratio | 0.14% | 51th pct | 36th pct |
| Loan growth YoY | -4.16% | 37th pct | 34th pct |
| Share growth YoY | 1.18% | 37th pct | 43th pct |
| Efficiency ratio | 65.28% | 17th pct | 5th pct |
structural peer set hash: 4bcaca66dc4ede7c996c406e43ae7216… (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.