CONNECTION
Charter #68254 · Silverdale, WA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.52% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.58% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.87% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.14% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 96.71% sits at the 90th 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 | CONNECTION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.56M | 82th pct | 48th pct |
| Members | 3,305 | 82th pct | 64th pct |
| Net worth ratio | 13.21% | 47th pct | 74th pct |
| Return on average assets | 0.60% | 47th pct | 41th pct |
| Net interest margin | 4.52% | 79th pct | 89th pct |
| Cost of funds | 0.58% | 37th pct | 21th pct |
| Loan-to-share | 67.41% | 66th pct | 67th pct |
| Delinquency 60+ days | 1.87% | 83th pct | 87th pct |
| Net charge-off ratio | -0.14% | 8th pct | 7th pct |
| Loan growth YoY | -6.53% | 20th pct | 7th pct |
| Share growth YoY | 3.11% | 57th pct | 61th pct |
| Efficiency ratio | 96.71% | 85th pct | 90th pct |
structural peer set hash: 92f66f86db948aed749b542919065cf7… (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.