WHITE RIVER
Charter #67201 · Enumclaw, WA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.63% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.15% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 5.49% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.29% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.38% sits at the 87th 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 | WHITE RIVER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $115.60M | 11th pct | 26th pct |
| Members | 8,414 | 21th pct | 33th pct |
| Net worth ratio | 16.63% | 91th pct | 79th pct |
| Return on average assets | 0.15% | 14th pct | 15th pct |
| Net interest margin | 5.49% | 99th pct | 98th pct |
| Cost of funds | 0.29% | 12th pct | 10th pct |
| Loan-to-share | 61.44% | 29th pct | 43th pct |
| Delinquency 60+ days | 1.38% | 87th pct | 87th pct |
| Net charge-off ratio | 2.13% | 99th pct | 95th pct |
| Loan growth YoY | -1.95% | 25th pct | 48th pct |
| Share growth YoY | -1.56% | 4th pct | 5th pct |
| Efficiency ratio | 58.55% | 7th pct | 2th pct |
structural peer set hash: 16f59fe5c83cb751e01b9360b650dd84… (reproducible)
Closest structural peers
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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.