PUGET SOUND COOPERATIVE
Charter #68204 · Bellevue, WA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.26% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.65% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.08% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.55% sits at the 85th 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 | PUGET SOUND COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $279.99M | 70th pct | 64th pct |
| Members | 16,835 | 66th pct | 72th pct |
| Net worth ratio | 10.93% | 42th pct | 44th pct |
| Return on average assets | 0.26% | 20th pct | 23th pct |
| Net interest margin | 2.65% | 6th pct | 13th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 85.23% | 79th pct | 51th pct |
| Delinquency 60+ days | 0.61% | 50th pct | 56th pct |
| Net charge-off ratio | -0.08% | 1th pct | 0th pct |
| Loan growth YoY | -5.06% | 6th pct | 0th pct |
| Share growth YoY | 9.89% | 97th pct | 95th pct |
| Efficiency ratio | 92.55% | 90th pct | 85th pct |
structural peer set hash: 6ba60125f0df99dce7184c477c049b67… (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.