Innorve

KITSAP

Charter #68576 · BREMERTON, WA · >$1B

Public 5300 data · as of 2026Q1

What the numbers say

  • Net worth ratio of 8.20% sits at the 10th percentile of structural peers — worth a closer look.
  • Return on average assets of 0.28% sits at the 18th percentile of structural peers — worth a closer look.
  • Cost of funds of 2.44% sits at the 93rd percentile of structural peers — worth a closer look.
  • Net charge-off ratio of 1.22% sits at the 82nd percentile of structural peers — worth a closer look.
  • Efficiency ratio of 70.53% ranks in the 25th percentile among structurally similar credit unions — a relative strength.

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.

MetricKITSAPAsset-tier percentileStructural percentile
Total assets$2.52B55th pct59th pct
Members165,07464th pct64th pct
Net worth ratio8.20%4th pct10th pct
Return on average assets0.28%13th pct18th pct
Net interest margin3.90%85th pct69th pct
Cost of funds2.44%84th pct93th pct
Loan-to-share86.93%51th pct43th pct
Delinquency 60+ days0.73%61th pct46th pct
Net charge-off ratio1.22%92th pct82th pct
Loan growth YoY7.88%93th pct95th pct
Share growth YoY5.22%67th pct80th pct
Efficiency ratio70.53%42th pct25th pct

structural peer set hash: 5d9d77325661515059c9b1c7a08f4dcc… (reproducible)

Closest structural peers

HAPO COMMUNITY70.2%
#68239 · WA
GESA65.4%
#68278 · WA
SOUND64.3%
#66331 · WA
FIBRE63.7%
#2191 · WA
IQ62.9%
#60438 · WA
TEXAS TRUST60.8%
#68434 · TX
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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.