WESTMARK
Charter #68353 · Idaho Falls, ID · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.09% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.30% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 28th — a 25-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 | WESTMARK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.62B | 36th pct | 56th pct |
| Members | 83,827 | 31th pct | 43th pct |
| Net worth ratio | 8.09% | 3th pct | 3th pct |
| Return on average assets | 0.43% | 24th pct | 30th pct |
| Net interest margin | 3.39% | 53th pct | 28th pct |
| Cost of funds | 0.86% | 17th pct | 26th pct |
| Loan-to-share | 102.91% | 94th pct | 84th pct |
| Delinquency 60+ days | 0.30% | 14th pct | 3th pct |
| Net charge-off ratio | 0.53% | 52th pct | 39th pct |
| Loan growth YoY | 1.80% | 50th pct | 43th pct |
| Share growth YoY | 3.92% | 46th pct | 36th pct |
| Efficiency ratio | 73.04% | 52th pct | 33th pct |
structural peer set hash: 035c36bd4fa0dbd33f54f872d561b8d0… (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.