HARBORSTONE
Charter #66399 · TACOMA, WA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.06% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 3.65% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.73% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 82.35% sits at the 80th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 58th percentile but its structural peers at the 34th — a 24-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 | HARBORSTONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.05B | 65th pct | 70th pct |
| Members | 120,361 | 50th pct | 49th pct |
| Net worth ratio | 9.60% | 24th pct | 26th pct |
| Return on average assets | 0.06% | 5th pct | 7th pct |
| Net interest margin | 3.65% | 70th pct | 75th pct |
| Cost of funds | 2.03% | 63th pct | 59th pct |
| Loan-to-share | 89.25% | 58th pct | 34th pct |
| Delinquency 60+ days | 0.80% | 66th pct | 62th pct |
| Net charge-off ratio | 0.73% | 69th pct | 80th pct |
| Loan growth YoY | 6.12% | 87th pct | 88th pct |
| Share growth YoY | 8.52% | 89th pct | 93th pct |
| Efficiency ratio | 82.35% | 84th pct | 80th pct |
structural peer set hash: 8ff5b929d2820535a0f5441939a3a298… (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.