SEI
Charter #517 · Pocatello, ID · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.15% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of -0.03% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.36% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.92% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.62% sits at the 87th percentile of structural peers — worth a closer look.
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 | SEI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.71M | 69th pct | 44th pct |
| Members | 3,138 | 79th pct | 56th pct |
| Net worth ratio | 8.15% | 5th pct | 7th pct |
| Return on average assets | -0.03% | 17th pct | 13th pct |
| Net interest margin | 3.77% | 46th pct | 38th pct |
| Cost of funds | 2.36% | 95th pct | 90th pct |
| Loan-to-share | 91.64% | 95th pct | 89th pct |
| Delinquency 60+ days | 1.92% | 84th pct | 90th pct |
| Net charge-off ratio | 0.62% | 76th pct | 87th pct |
| Loan growth YoY | -0.65% | 65th pct | 51th pct |
| Share growth YoY | 3.47% | 61th pct | 66th pct |
| Efficiency ratio | 92.27% | 77th pct | 74th pct |
structural peer set hash: e297d2c028ccac72399a0fc3b76fc704… (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.