SOLARITY
Charter #68061 · Yakima, WA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.76% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.18% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.17% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 88.38% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 36th — a 41-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 | SOLARITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $846.07M | 77th pct | 36th pct |
| Members | 45,958 | 64th pct | 48th pct |
| Net worth ratio | 16.76% | 97th pct | 93th pct |
| Return on average assets | 0.18% | 15th pct | 18th pct |
| Net interest margin | 3.15% | 27th pct | 43th pct |
| Cost of funds | 1.65% | 65th pct | 34th pct |
| Loan-to-share | 102.41% | 97th pct | 74th pct |
| Delinquency 60+ days | 0.17% | 8th pct | 11th pct |
| Net charge-off ratio | 0.28% | 34th pct | 61th pct |
| Loan growth YoY | 0.06% | 40th pct | 23th pct |
| Share growth YoY | 3.40% | 41th pct | 44th pct |
| Efficiency ratio | 88.38% | 86th pct | 87th pct |
structural peer set hash: 5abe34f2fce705a7f3fffeccb381ed1f… (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.