PEAK
Charter #68271 · OLYMPIA, WA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.03% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 4.34% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.63% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.21% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.47% sits at the 89th 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 | PEAK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.27B | 75th pct | 59th pct |
| Members | 267,669 | 81th pct | 69th pct |
| Net worth ratio | 11.12% | 58th pct | 69th pct |
| Return on average assets | 0.03% | 4th pct | 8th pct |
| Net interest margin | 4.34% | 95th pct | 95th pct |
| Cost of funds | 0.63% | 14th pct | 11th pct |
| Loan-to-share | 91.58% | 66th pct | 61th pct |
| Delinquency 60+ days | 1.21% | 87th pct | 90th pct |
| Net charge-off ratio | 1.47% | 96th pct | 89th pct |
| Loan growth YoY | 0.64% | 35th pct | 34th pct |
| Share growth YoY | 5.90% | 74th pct | 90th pct |
| Efficiency ratio | 75.38% | 59th pct | 67th pct |
structural peer set hash: 50019f97c4bbb16e696f9376f16383e2… (reproducible)
Closest structural peers
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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.