WAUNA
Charter #17990 · Clatskanie, OR · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 26,781 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.23% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.97% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.78% sits at the 84th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 16th — a 21-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 | WAUNA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $400.07M | 89th pct | 82th pct |
| Members | 26,781 | 91th pct | 77th pct |
| Net worth ratio | 8.99% | 14th pct | 30th pct |
| Return on average assets | 0.33% | 25th pct | 44th pct |
| Net interest margin | 4.23% | 82th pct | 77th pct |
| Cost of funds | 0.97% | 37th pct | 16th pct |
| Loan-to-share | 86.05% | 81th pct | 67th pct |
| Delinquency 60+ days | 0.99% | 76th pct | 72th pct |
| Net charge-off ratio | 0.78% | 83th pct | 84th pct |
| Loan growth YoY | -0.17% | 46th pct | 49th pct |
| Share growth YoY | -2.61% | 2th pct | 5th pct |
| Efficiency ratio | 83.77% | 68th pct | 54th pct |
structural peer set hash: d33ba3ab8f5f42a17f604e2d88640b92… (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.