BLUE MOUNTAIN
Charter #68280 · COLLEGE PLACE, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.19% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.10% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 74.91% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 39th — a 24-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 | BLUE MOUNTAIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $55.83M | 15th pct | 23th pct |
| Members | 4,455 | 38th pct | 41th pct |
| Net worth ratio | 13.21% | 54th pct | 62th pct |
| Return on average assets | 0.79% | 56th pct | 59th pct |
| Net interest margin | 3.94% | 64th pct | 39th pct |
| Cost of funds | 0.19% | 9th pct | 10th pct |
| Loan-to-share | 80.90% | 85th pct | 64th pct |
| Delinquency 60+ days | 1.19% | 77th pct | 70th pct |
| Net charge-off ratio | 1.10% | 90th pct | 89th pct |
| Loan growth YoY | -1.07% | 55th pct | 33th pct |
| Share growth YoY | 0.31% | 21th pct | 10th pct |
| Efficiency ratio | 74.91% | 36th pct | 25th pct |
structural peer set hash: 3c4c59e694d386c3e7629f7beb28665e… (reproducible)
Closest structural peers
This is the free public view
Claim BLUE MOUNTAIN
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.