POINT WEST
Charter #63971 · Portland, OR · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,093 sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.30% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.03% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.17% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 52nd — a 19-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 | POINT WEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $102.00M | 2th pct | 18th pct |
| Members | 7,093 | 12th pct | 23th pct |
| Net worth ratio | 12.20% | 59th pct | 66th pct |
| Return on average assets | 0.76% | 55th pct | 67th pct |
| Net interest margin | 4.30% | 85th pct | 79th pct |
| Cost of funds | 0.03% | 3th pct | 0th pct |
| Loan-to-share | 82.68% | 75th pct | 69th pct |
| Delinquency 60+ days | 0.69% | 56th pct | 54th pct |
| Net charge-off ratio | -0.17% | 1th pct | 0th pct |
| Loan growth YoY | -7.82% | 2th pct | 0th pct |
| Share growth YoY | -2.73% | 2th pct | 3th pct |
| Efficiency ratio | 84.89% | 71th pct | 52th pct |
structural peer set hash: 030a1ed8f806131caa7f6e08fefd9ce0… (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.