OUR COMMUNITY
Charter #68609 · Shelton, WA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.14% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.38% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 54th — a 37-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 | OUR COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $640.31M | 33th pct | 66th pct |
| Members | 30,609 | 17th pct | 54th pct |
| Net worth ratio | 12.41% | 76th pct | 59th pct |
| Return on average assets | 1.14% | 80th pct | 79th pct |
| Net interest margin | 3.49% | 48th pct | 62th pct |
| Cost of funds | 1.12% | 28th pct | 54th pct |
| Loan-to-share | 40.57% | 3th pct | 10th pct |
| Delinquency 60+ days | 0.43% | 34th pct | 39th pct |
| Net charge-off ratio | 0.61% | 68th pct | 62th pct |
| Loan growth YoY | -3.58% | 8th pct | 13th pct |
| Share growth YoY | 1.21% | 14th pct | 13th pct |
| Efficiency ratio | 67.38% | 17th pct | 21th pct |
structural peer set hash: 953d11881fab11d885114670f35e16b3… (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.