CALCOE
Charter #2237 · YAKIMA, WA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 1.22% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 62nd — a 28-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 | CALCOE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.20M | 90th pct | 62th pct |
| Members | 3,541 | 86th pct | 59th pct |
| Net worth ratio | 12.20% | 38th pct | 44th pct |
| Return on average assets | 0.69% | 52th pct | 43th pct |
| Net interest margin | 4.49% | 78th pct | 59th pct |
| Cost of funds | 0.97% | 56th pct | 54th pct |
| Loan-to-share | 82.76% | 87th pct | 59th pct |
| Delinquency 60+ days | 0.83% | 62th pct | 57th pct |
| Net charge-off ratio | 1.22% | 89th pct | 89th pct |
| Loan growth YoY | -1.54% | 57th pct | 33th pct |
| Share growth YoY | 1.58% | 40th pct | 36th pct |
| Efficiency ratio | 77.64% | 43th pct | 43th pct |
structural peer set hash: 01a02d3f4cf142b308b27aa722a094b3… (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.