SOUND
Charter #66331 · Tacoma, WA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.63% sits at the 97th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 36th — a 20-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 | SOUND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.45B | 69th pct | 64th pct |
| Members | 181,030 | 69th pct | 61th pct |
| Net worth ratio | 10.60% | 47th pct | 51th pct |
| Return on average assets | 0.84% | 60th pct | 54th pct |
| Net interest margin | 3.21% | 42th pct | 28th pct |
| Cost of funds | 2.00% | 61th pct | 62th pct |
| Loan-to-share | 88.52% | 56th pct | 36th pct |
| Delinquency 60+ days | 1.63% | 95th pct | 97th pct |
| Net charge-off ratio | 0.68% | 64th pct | 61th pct |
| Loan growth YoY | 1.58% | 47th pct | 46th pct |
| Share growth YoY | 6.20% | 77th pct | 77th pct |
| Efficiency ratio | 68.02% | 33th pct | 28th pct |
structural peer set hash: f8df274bca167e07d034b162febbfda4… (reproducible)
Closest structural peers
This is the free public view
Claim SOUND
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.