SNOCOPE
Charter #68622 · Everett, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.44% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.05% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 52nd — 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 | SNOCOPE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $89.04M | 81th pct | 52th pct |
| Members | 5,882 | 64th pct | 41th pct |
| Net worth ratio | 9.44% | 14th pct | 20th pct |
| Return on average assets | 0.30% | 27th pct | 28th pct |
| Net interest margin | 3.90% | 60th pct | 48th pct |
| Cost of funds | 1.08% | 59th pct | 61th pct |
| Loan-to-share | 61.27% | 51th pct | 46th pct |
| Delinquency 60+ days | 1.05% | 74th pct | 77th pct |
| Net charge-off ratio | 0.62% | 77th pct | 66th pct |
| Loan growth YoY | -3.86% | 28th pct | 18th pct |
| Share growth YoY | 4.60% | 70th pct | 66th pct |
| Efficiency ratio | 82.24% | 58th pct | 54th pct |
structural peer set hash: b0ed039feabddb868fc2fabeef352a2c… (reproducible)
Closest structural peers
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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.