NORTHWEST ADVENTIST
Charter #14786 · Portland, OR · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.65% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.90% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.75% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.09% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 52nd — a 36-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 | NORTHWEST ADVENTIST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.65M | 71th pct | 41th pct |
| Members | 3,155 | 79th pct | 54th pct |
| Net worth ratio | 14.65% | 57th pct | 75th pct |
| Return on average assets | 0.64% | 49th pct | 48th pct |
| Net interest margin | 4.90% | 89th pct | 85th pct |
| Cost of funds | 0.75% | 46th pct | 25th pct |
| Loan-to-share | 84.57% | 89th pct | 52th pct |
| Delinquency 60+ days | 0.66% | 53th pct | 52th pct |
| Net charge-off ratio | -0.09% | 10th pct | 10th pct |
| Loan growth YoY | -3.85% | 39th pct | 23th pct |
| Share growth YoY | -1.59% | 15th pct | 21th pct |
| Efficiency ratio | 86.11% | 64th pct | 67th pct |
structural peer set hash: 6a8ca94bd9c8ccf9d985016cb6e1b802… (reproducible)
Closest structural peers
This is the free public view
Claim NORTHWEST ADVENTIST
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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.