AVISTA CORP.
Charter #68284 · Spokane, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.02% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.02% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.84% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.02% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | AVISTA CORP. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $71.95M | 50th pct | 41th pct |
| Members | 3,652 | 21th pct | 38th pct |
| Net worth ratio | 18.02% | 85th pct | 80th pct |
| Return on average assets | 0.45% | 36th pct | 30th pct |
| Net interest margin | 2.02% | 2th pct | 2th pct |
| Cost of funds | 2.84% | 98th pct | 95th pct |
| Loan-to-share | 70.48% | 69th pct | 49th pct |
| Delinquency 60+ days | 0.02% | 4th pct | 7th pct |
| Net charge-off ratio | 0.00% | 17th pct | 25th pct |
| Loan growth YoY | 0.24% | 67th pct | 56th pct |
| Share growth YoY | 3.19% | 54th pct | 59th pct |
| Efficiency ratio | 78.31% | 45th pct | 43th pct |
structural peer set hash: 446949cb89071396e4518cad2760054f… (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.