TRI-CITIES COMMUNITY
Charter #19608 · Kennewick, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.17% sits at the 75th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 33rd — a 38-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 | TRI-CITIES COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $74.61M | 56th pct | 30th pct |
| Members | 5,532 | 58th pct | 54th pct |
| Net worth ratio | 14.60% | 67th pct | 62th pct |
| Return on average assets | 0.45% | 36th pct | 41th pct |
| Net interest margin | 3.88% | 59th pct | 69th pct |
| Cost of funds | 1.29% | 71th pct | 33th pct |
| Loan-to-share | 96.18% | 98th pct | 70th pct |
| Delinquency 60+ days | 1.17% | 77th pct | 75th pct |
| Net charge-off ratio | 0.27% | 53th pct | 70th pct |
| Loan growth YoY | -1.13% | 54th pct | 36th pct |
| Share growth YoY | -1.49% | 8th pct | 25th pct |
| Efficiency ratio | 84.33% | 64th pct | 59th pct |
structural peer set hash: cea94b7fdaafe4dca21a1ab000fec7c7… (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.