OPC
Charter #20951 · Durkee, OR · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 310 sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of 3.07% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 31.62% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
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 | OPC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.79M | 38th pct | 16th pct |
| Members | 310 | 26th pct | 2th pct |
| Net worth ratio | 15.36% | 41th pct | 61th pct |
| Return on average assets | 3.07% | 96th pct | 95th pct |
| Net interest margin | 4.47% | 63th pct | 64th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 93.92% | 90th pct | 89th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 33th pct |
| Loan growth YoY | -7.60% | 37th pct | 11th pct |
| Share growth YoY | 2.23% | 67th pct | 66th pct |
| Efficiency ratio | 31.62% | 3th pct | 0th pct |
structural peer set hash: 56ba71af55486d4af5ded8152dccd66e… (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.