NORTHWEST PLUS
Charter #67262 · Everett, WA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.29% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.24% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.54% sits at the 87th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 87th — a 19-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 | NORTHWEST PLUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $318.24M | 76th pct | 61th pct |
| Members | 15,213 | 60th pct | 52th pct |
| Net worth ratio | 13.30% | 72th pct | 61th pct |
| Return on average assets | 0.80% | 57th pct | 43th pct |
| Net interest margin | 3.34% | 31th pct | 44th pct |
| Cost of funds | 0.29% | 12th pct | 7th pct |
| Loan-to-share | 63.74% | 33th pct | 44th pct |
| Delinquency 60+ days | 0.24% | 17th pct | 25th pct |
| Net charge-off ratio | 0.54% | 68th pct | 87th pct |
| Loan growth YoY | -3.82% | 12th pct | 15th pct |
| Share growth YoY | 3.12% | 44th pct | 52th pct |
| Efficiency ratio | 68.85% | 22th pct | 28th pct |
structural peer set hash: f637e35e3b48b7a566f017c3a2c075df… (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.