MERIWEST
Charter #68394 · SAN JOSE, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.86% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 0.03% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 2.58% sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.71% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.46% sits at the 80th 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 | MERIWEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.16B | 48th pct | 72th pct |
| Members | 76,513 | 25th pct | 57th pct |
| Net worth ratio | 8.86% | 10th pct | 16th pct |
| Return on average assets | 0.03% | 4th pct | 10th pct |
| Net interest margin | 2.58% | 11th pct | 21th pct |
| Cost of funds | 2.20% | 72th pct | 62th pct |
| Loan-to-share | 89.83% | 60th pct | 51th pct |
| Delinquency 60+ days | 1.02% | 80th pct | 66th pct |
| Net charge-off ratio | 0.71% | 66th pct | 85th pct |
| Loan growth YoY | -3.49% | 3th pct | 7th pct |
| Share growth YoY | 3.47% | 38th pct | 52th pct |
| Efficiency ratio | 86.46% | 92th pct | 80th pct |
structural peer set hash: d97b3a760884fd4e7e50c8ef7f5700b1… (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.