QUALSTAR
Charter #68223 · Bothell, WA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.92% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.42% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.30% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.27% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.64% sits at the 92nd 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 | QUALSTAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $923.07M | 89th pct | 62th pct |
| Members | 62,575 | 90th pct | 66th pct |
| Net worth ratio | 15.92% | 95th pct | 82th pct |
| Return on average assets | 1.42% | 87th pct | 82th pct |
| Net interest margin | 4.19% | 90th pct | 67th pct |
| Cost of funds | 2.30% | 91th pct | 93th pct |
| Loan-to-share | 73.61% | 30th pct | 49th pct |
| Delinquency 60+ days | 1.27% | 88th pct | 87th pct |
| Net charge-off ratio | 1.64% | 97th pct | 92th pct |
| Loan growth YoY | -0.46% | 33th pct | 36th pct |
| Share growth YoY | 3.47% | 42th pct | 44th pct |
| Efficiency ratio | 53.42% | 4th pct | 3th pct |
structural peer set hash: 188fca37ea16b94680fcde8f90cf3317… (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.