RESPONDERS EMERGENCY SERVICES
Charter #68305 · SPOKANE, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,606 sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 0.32% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 3.24% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.00% ranks in the 16th 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 | RESPONDERS EMERGENCY SERVICES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $56.99M | 18th pct | 34th pct |
| Members | 2,606 | 6th pct | 11th pct |
| Net worth ratio | 16.92% | 81th pct | 74th pct |
| Return on average assets | 0.32% | 29th pct | 25th pct |
| Net interest margin | 3.24% | 26th pct | 16th pct |
| Cost of funds | 0.89% | 48th pct | 46th pct |
| Loan-to-share | 69.58% | 67th pct | 54th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.00% | 12th pct | 16th pct |
| Loan growth YoY | -4.26% | 24th pct | 20th pct |
| Share growth YoY | -0.57% | 13th pct | 15th pct |
| Efficiency ratio | 89.86% | 79th pct | 82th pct |
structural peer set hash: 11a4d11baa7513386e4d7421ab82a245… (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.