PROGRESSIONS
Charter #68255 · Spokane, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.30% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.58% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.10% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.09% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 64th — a 26-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 | PROGRESSIONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $93.52M | 90th pct | 64th pct |
| Members | 5,689 | 60th pct | 36th pct |
| Net worth ratio | 10.21% | 23th pct | 33th pct |
| Return on average assets | 0.48% | 38th pct | 38th pct |
| Net interest margin | 3.30% | 29th pct | 8th pct |
| Cost of funds | 1.58% | 83th pct | 79th pct |
| Loan-to-share | 80.48% | 84th pct | 67th pct |
| Delinquency 60+ days | 0.10% | 12th pct | 13th pct |
| Net charge-off ratio | 0.09% | 32th pct | 18th pct |
| Loan growth YoY | -0.70% | 58th pct | 39th pct |
| Share growth YoY | 1.33% | 32th pct | 21th pct |
| Efficiency ratio | 86.64% | 71th pct | 67th pct |
structural peer set hash: 1542587ca7f8b40203dab748d8cee331… (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.