COPPER STATE
Charter #68502 · Phoenix, AZ · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.57% sits at the 10th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.54% sits at the 84th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 84th — a 24-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 | COPPER STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $672.09M | 43th pct | 39th pct |
| Members | 37,804 | 41th pct | 43th pct |
| Net worth ratio | 8.57% | 12th pct | 10th pct |
| Return on average assets | 0.48% | 37th pct | 36th pct |
| Net interest margin | 3.63% | 62th pct | 70th pct |
| Cost of funds | 1.62% | 62th pct | 59th pct |
| Loan-to-share | 75.91% | 35th pct | 21th pct |
| Delinquency 60+ days | 0.64% | 55th pct | 51th pct |
| Net charge-off ratio | 0.54% | 60th pct | 84th pct |
| Loan growth YoY | 2.04% | 61th pct | 57th pct |
| Share growth YoY | 7.25% | 88th pct | 87th pct |
| Efficiency ratio | 81.22% | 63th pct | 54th pct |
structural peer set hash: f687a38b19398f3fa00be94046bf4f89… (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.