CREDIT UNION WEST
Charter #68421 · Glendale, AZ · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.43% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.15% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.39% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.38% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 56th — a 29-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 | CREDIT UNION WEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.45B | 27th pct | 56th pct |
| Members | 97,148 | 39th pct | 57th pct |
| Net worth ratio | 10.31% | 39th pct | 46th pct |
| Return on average assets | 0.43% | 24th pct | 25th pct |
| Net interest margin | 4.15% | 92th pct | 89th pct |
| Cost of funds | 2.39% | 82th pct | 89th pct |
| Loan-to-share | 90.04% | 62th pct | 61th pct |
| Delinquency 60+ days | 0.38% | 24th pct | 20th pct |
| Net charge-off ratio | 0.99% | 83th pct | 72th pct |
| Loan growth YoY | 4.32% | 76th pct | 65th pct |
| Share growth YoY | 9.88% | 92th pct | 90th pct |
| Efficiency ratio | 78.53% | 72th pct | 74th pct |
structural peer set hash: 9bf29c948650c90b7dca7ef24de75799… (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.