WHEELHOUSE
Charter #61003 · SAN DIEGO, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 32,527 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.28% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 3.71% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.04% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 88.69% 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 | WHEELHOUSE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $456.77M | 96th pct | 80th pct |
| Members | 32,527 | 96th pct | 89th pct |
| Net worth ratio | 8.28% | 5th pct | 5th pct |
| Return on average assets | 0.34% | 25th pct | 31th pct |
| Net interest margin | 3.71% | 54th pct | 77th pct |
| Cost of funds | 1.60% | 72th pct | 36th pct |
| Loan-to-share | 91.17% | 91th pct | 61th pct |
| Delinquency 60+ days | 0.04% | 2th pct | 3th pct |
| Net charge-off ratio | 0.12% | 21th pct | 43th pct |
| Loan growth YoY | 4.88% | 86th pct | 70th pct |
| Share growth YoY | 5.40% | 75th pct | 69th pct |
| Efficiency ratio | 88.69% | 82th pct | 77th pct |
structural peer set hash: cf37cc3ff7763eae3f1985ecadeeb183… (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.