WATERFRONT
Charter #16178 · Seattle, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- On Members, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 43rd — a 31-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 | WATERFRONT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $93.58M | 90th pct | 59th pct |
| Members | 6,583 | 74th pct | 43th pct |
| Net worth ratio | 13.45% | 57th pct | 62th pct |
| Return on average assets | 0.68% | 48th pct | 56th pct |
| Net interest margin | 3.89% | 59th pct | 51th pct |
| Cost of funds | 0.75% | 37th pct | 38th pct |
| Loan-to-share | 62.63% | 53th pct | 62th pct |
| Delinquency 60+ days | 0.86% | 66th pct | 61th pct |
| Net charge-off ratio | 0.44% | 67th pct | 44th pct |
| Loan growth YoY | -0.58% | 59th pct | 54th pct |
| Share growth YoY | 1.67% | 37th pct | 34th pct |
| Efficiency ratio | 80.38% | 52th pct | 41th pct |
structural peer set hash: 13a32204c1717169c550ec612a69bb4f… (reproducible)
Closest structural peers
This is the free public view
Claim WATERFRONT
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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.