SNO FALLS
Charter #68293 · North Bend, WA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,072 sits at the 7th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.62% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.64% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 94.42% sits at the 85th 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 | SNO FALLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $101.15M | 1th pct | 8th pct |
| Members | 5,072 | 4th pct | 7th pct |
| Net worth ratio | 8.62% | 9th pct | 23th pct |
| Return on average assets | 0.19% | 16th pct | 31th pct |
| Net interest margin | 4.64% | 92th pct | 95th pct |
| Cost of funds | 0.10% | 6th pct | 2th pct |
| Loan-to-share | 79.77% | 68th pct | 51th pct |
| Delinquency 60+ days | 0.85% | 68th pct | 51th pct |
| Net charge-off ratio | 0.15% | 24th pct | 33th pct |
| Loan growth YoY | 1.94% | 65th pct | 66th pct |
| Share growth YoY | -0.61% | 7th pct | 16th pct |
| Efficiency ratio | 94.42% | 94th pct | 85th pct |
structural peer set hash: db361b6e6f803a16832fe866cb9fc660… (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.