O BEE
Charter #60059 · Lacey, WA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 36,074 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.68% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 4.58% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.00% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 41st percentile but its structural peers at the 21st — a 20-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 | O BEE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $667.12M | 41th pct | 21th pct |
| Members | 36,074 | 34th pct | 25th pct |
| Net worth ratio | 8.68% | 13th pct | 18th pct |
| Return on average assets | 0.75% | 58th pct | 66th pct |
| Net interest margin | 4.58% | 96th pct | 97th pct |
| Cost of funds | 2.05% | 83th pct | 64th pct |
| Loan-to-share | 104.83% | 98th pct | 89th pct |
| Delinquency 60+ days | 0.79% | 66th pct | 70th pct |
| Net charge-off ratio | 1.00% | 88th pct | 93th pct |
| Loan growth YoY | 3.76% | 81th pct | 75th pct |
| Share growth YoY | 2.86% | 34th pct | 35th pct |
| Efficiency ratio | 75.27% | 35th pct | 30th pct |
structural peer set hash: 12801aa6161a22dcc1d0060f9eadb043… (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.