SELCO COMMUNITY
Charter #63196 · Springfield, OR · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.05% sits at the 15th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.35% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 66th — a 17-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 | SELCO COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.98B | 65th pct | 72th pct |
| Members | 151,475 | 61th pct | 70th pct |
| Net worth ratio | 11.70% | 67th pct | 67th pct |
| Return on average assets | 0.60% | 40th pct | 38th pct |
| Net interest margin | 3.05% | 32th pct | 15th pct |
| Cost of funds | 1.75% | 49th pct | 66th pct |
| Loan-to-share | 73.42% | 20th pct | 21th pct |
| Delinquency 60+ days | 0.46% | 33th pct | 33th pct |
| Net charge-off ratio | 0.35% | 29th pct | 25th pct |
| Loan growth YoY | 0.13% | 29th pct | 26th pct |
| Share growth YoY | 4.09% | 49th pct | 41th pct |
| Efficiency ratio | 78.50% | 72th pct | 62th pct |
structural peer set hash: 2660a7d58ec1aa7649286fa391f6fbaa… (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.