TRUWEST
Charter #63832 · Scottsdale, AZ · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.76% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 69th — a 30-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 | TRUWEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.72B | 39th pct | 69th pct |
| Members | 90,529 | 36th pct | 59th pct |
| Net worth ratio | 10.80% | 51th pct | 49th pct |
| Return on average assets | 0.54% | 33th pct | 36th pct |
| Net interest margin | 3.89% | 83th pct | 70th pct |
| Cost of funds | 1.79% | 51th pct | 62th pct |
| Loan-to-share | 87.73% | 54th pct | 44th pct |
| Delinquency 60+ days | 0.52% | 39th pct | 44th pct |
| Net charge-off ratio | 0.76% | 72th pct | 77th pct |
| Loan growth YoY | 3.31% | 68th pct | 59th pct |
| Share growth YoY | 4.27% | 55th pct | 56th pct |
| Efficiency ratio | 75.75% | 61th pct | 46th pct |
structural peer set hash: f8d59a9c1072fcb31fa3a5fc33f34a4c… (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.