WCLA
Charter #68328 · Olympia, WA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,385 sits at the 3rd percentile of structural peers — worth a closer look.
- Net worth ratio of 16.65% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.56% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 3.56% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.50% sits at the 89th 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 | WCLA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $144.88M | 28th pct | 30th pct |
| Members | 1,385 | 0th pct | 3th pct |
| Net worth ratio | 16.65% | 92th pct | 82th pct |
| Return on average assets | 1.56% | 90th pct | 85th pct |
| Net interest margin | 3.47% | 38th pct | 64th pct |
| Cost of funds | 3.56% | 100th pct | 97th pct |
| Loan-to-share | 104.80% | 99th pct | 84th pct |
| Delinquency 60+ days | 2.50% | 97th pct | 89th pct |
| Net charge-off ratio | 0.15% | 24th pct | 62th pct |
| Loan growth YoY | -1.89% | 26th pct | 20th pct |
| Share growth YoY | 3.44% | 49th pct | 52th pct |
| Efficiency ratio | 53.28% | 3th pct | 11th pct |
structural peer set hash: bcd7e13217404180c3390a1b468fdd80… (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.