GOLDENWEST
Charter #24693 · Ogden, UT · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.16% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.58% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.41% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.30% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.29% ranks in the 11th 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 | GOLDENWEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.09B | 74th pct | 59th pct |
| Members | 209,927 | 73th pct | 62th pct |
| Net worth ratio | 13.16% | 83th pct | 89th pct |
| Return on average assets | 1.58% | 94th pct | 93th pct |
| Net interest margin | 3.49% | 59th pct | 56th pct |
| Cost of funds | 2.50% | 86th pct | 72th pct |
| Loan-to-share | 93.95% | 76th pct | 64th pct |
| Delinquency 60+ days | 0.41% | 26th pct | 16th pct |
| Net charge-off ratio | 0.30% | 24th pct | 21th pct |
| Loan growth YoY | 3.03% | 67th pct | 67th pct |
| Share growth YoY | 5.99% | 75th pct | 75th pct |
| Efficiency ratio | 61.29% | 14th pct | 11th pct |
structural peer set hash: b10c4bf81ef9b6e72882dda8cbb4cb3d… (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.