NUMERICA
Charter #66841 · Spokane Valley, WA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.15% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.23% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 56th — a 18-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 | NUMERICA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.34B | 76th pct | 70th pct |
| Members | 178,219 | 68th pct | 54th pct |
| Net worth ratio | 11.73% | 68th pct | 69th pct |
| Return on average assets | 1.01% | 73th pct | 69th pct |
| Net interest margin | 2.94% | 24th pct | 26th pct |
| Cost of funds | 0.15% | 4th pct | 5th pct |
| Loan-to-share | 93.19% | 74th pct | 56th pct |
| Delinquency 60+ days | 0.42% | 27th pct | 28th pct |
| Net charge-off ratio | 0.23% | 17th pct | 20th pct |
| Loan growth YoY | 2.79% | 64th pct | 61th pct |
| Share growth YoY | 4.14% | 51th pct | 51th pct |
| Efficiency ratio | 71.96% | 47th pct | 54th pct |
structural peer set hash: 50220bd507678dfba3a1f3ebe5467b0f… (reproducible)
Closest structural peers
This is the free public view
Claim NUMERICA
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.