UTILITY EMPLOYEES
Charter #1851 · ABERDEEN, WA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 377 sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 1.62% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.17% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 49th — a 23-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 | UTILITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.20M | 43th pct | 21th pct |
| Members | 377 | 32th pct | 10th pct |
| Net worth ratio | 19.01% | 55th pct | 57th pct |
| Return on average assets | 1.62% | 85th pct | 87th pct |
| Net interest margin | 4.02% | 50th pct | 39th pct |
| Cost of funds | 1.29% | 73th pct | 61th pct |
| Loan-to-share | 76.36% | 72th pct | 49th pct |
| Delinquency 60+ days | 0.60% | 44th pct | 43th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -3.65% | 58th pct | 54th pct |
| Share growth YoY | -13.13% | 5th pct | 11th pct |
| Efficiency ratio | 61.17% | 17th pct | 7th pct |
structural peer set hash: d7992bc247f5b4c0dacce55fb7212963… (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.