NORTH COAST
Charter #66734 · Bellingham, WA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.35% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.71% sits at the 92nd percentile of structural peers — worth a closer look.
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 | NORTH COAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $429.67M | 93th pct | 84th pct |
| Members | 20,358 | 78th pct | 69th pct |
| Net worth ratio | 13.41% | 73th pct | 74th pct |
| Return on average assets | 0.50% | 36th pct | 26th pct |
| Net interest margin | 3.64% | 49th pct | 62th pct |
| Cost of funds | 1.27% | 54th pct | 52th pct |
| Loan-to-share | 70.39% | 47th pct | 51th pct |
| Delinquency 60+ days | 0.35% | 26th pct | 21th pct |
| Net charge-off ratio | 0.71% | 78th pct | 92th pct |
| Loan growth YoY | -0.78% | 38th pct | 25th pct |
| Share growth YoY | 4.67% | 67th pct | 61th pct |
| Efficiency ratio | 76.07% | 41th pct | 48th pct |
structural peer set hash: 26291c711a5e106ad4948f4447448a98… (reproducible)
Closest structural peers
This is the free public view
Claim NORTH COAST
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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.