UMATILLA COUNTY
Charter #23986 · Pendleton, OR · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.45% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.23% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.03% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 55.44% ranks in the 8th 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 | UMATILLA COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.30M | 98th pct | 82th pct |
| Members | 2,448 | 62th pct | 39th pct |
| Net worth ratio | 18.36% | 79th pct | 66th pct |
| Return on average assets | 1.45% | 84th pct | 75th pct |
| Net interest margin | 3.23% | 24th pct | 3th pct |
| Cost of funds | 0.99% | 57th pct | 51th pct |
| Loan-to-share | 77.46% | 81th pct | 49th pct |
| Delinquency 60+ days | 0.03% | 12th pct | 5th pct |
| Net charge-off ratio | 0.00% | 23th pct | 25th pct |
| Loan growth YoY | -2.18% | 52th pct | 36th pct |
| Share growth YoY | -2.78% | 10th pct | 8th pct |
| Efficiency ratio | 55.44% | 6th pct | 8th pct |
structural peer set hash: 4927d968a554b6c2bfc139d32789d54e… (reproducible)
Closest structural peers
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Claim UMATILLA COUNTY
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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.