PENINSULA COMMUNITY
Charter #665 · SHELTON, WA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.93% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.90% sits at the 84th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 61st — 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 | PENINSULA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $306.39M | 74th pct | 64th pct |
| Members | 21,491 | 81th pct | 61th pct |
| Net worth ratio | 11.57% | 51th pct | 59th pct |
| Return on average assets | 0.83% | 59th pct | 62th pct |
| Net interest margin | 4.24% | 82th pct | 70th pct |
| Cost of funds | 0.96% | 37th pct | 51th pct |
| Loan-to-share | 75.19% | 56th pct | 52th pct |
| Delinquency 60+ days | 0.93% | 73th pct | 79th pct |
| Net charge-off ratio | 0.90% | 86th pct | 84th pct |
| Loan growth YoY | -3.79% | 12th pct | 10th pct |
| Share growth YoY | 0.60% | 13th pct | 20th pct |
| Efficiency ratio | 75.00% | 38th pct | 33th pct |
structural peer set hash: 1704caa06378040119feceb4964a380c… (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.