WASHINGTON STATE EMPLOYEES
Charter #60042 · OLYMPIA, WA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.04% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 4.07% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.27% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.17% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 78.45% sits at the 77th 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 | WASHINGTON STATE EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.11B | 82th pct | 64th pct |
| Members | 319,691 | 86th pct | 74th pct |
| Net worth ratio | 9.71% | 27th pct | 31th pct |
| Return on average assets | -0.04% | 3th pct | 2th pct |
| Net interest margin | 4.07% | 90th pct | 82th pct |
| Cost of funds | 0.27% | 7th pct | 7th pct |
| Loan-to-share | 86.05% | 48th pct | 43th pct |
| Delinquency 60+ days | 0.69% | 57th pct | 46th pct |
| Net charge-off ratio | 1.17% | 90th pct | 79th pct |
| Loan growth YoY | -2.56% | 6th pct | 2th pct |
| Share growth YoY | 2.81% | 26th pct | 26th pct |
| Efficiency ratio | 78.45% | 72th pct | 77th pct |
structural peer set hash: 7e8f84a8878144aa5cca5e5cab7a2196… (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.