SEATTLE METROPOLITAN
Charter #68315 · Seattle, WA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.32% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 4.10% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.26% sits at the 97th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 3rd percentile but its structural peers at the 33rd — a 30-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 | SEATTLE METROPOLITAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.14B | 10th pct | 38th pct |
| Members | 47,393 | 3th pct | 33th pct |
| Net worth ratio | 11.71% | 67th pct | 72th pct |
| Return on average assets | -0.32% | 1th pct | 2th pct |
| Net interest margin | 4.10% | 90th pct | 89th pct |
| Cost of funds | 2.03% | 64th pct | 56th pct |
| Loan-to-share | 105.97% | 97th pct | 85th pct |
| Delinquency 60+ days | 0.67% | 54th pct | 54th pct |
| Net charge-off ratio | 1.26% | 94th pct | 97th pct |
| Loan growth YoY | 5.86% | 86th pct | 92th pct |
| Share growth YoY | 4.08% | 49th pct | 56th pct |
| Efficiency ratio | 82.89% | 87th pct | 70th pct |
structural peer set hash: b08c603c9f1b809aac5cf2a80242d4f2… (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.