IQ
Charter #60438 · Vancouver, WA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.37% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.43% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.25% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 31st — a 21-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 | IQ | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.20B | 50th pct | 51th pct |
| Members | 105,204 | 44th pct | 44th pct |
| Net worth ratio | 10.99% | 55th pct | 57th pct |
| Return on average assets | 1.37% | 88th pct | 92th pct |
| Net interest margin | 3.38% | 52th pct | 31th pct |
| Cost of funds | 1.69% | 45th pct | 52th pct |
| Loan-to-share | 86.36% | 50th pct | 39th pct |
| Delinquency 60+ days | 0.86% | 72th pct | 70th pct |
| Net charge-off ratio | 0.43% | 39th pct | 21th pct |
| Loan growth YoY | -1.46% | 11th pct | 5th pct |
| Share growth YoY | 2.01% | 18th pct | 16th pct |
| Efficiency ratio | 66.25% | 26th pct | 10th pct |
structural peer set hash: 0b850eefe674f246508c4ac9f71d94f7… (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.