OREGON STATE
Charter #68656 · Corvallis, OR · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 157,508 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.47% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 63rd percentile but its structural peers at the 97th — a 34-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 | OREGON STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.73B | 61th pct | 77th pct |
| Members | 157,508 | 62th pct | 79th pct |
| Net worth ratio | 11.54% | 65th pct | 62th pct |
| Return on average assets | 0.90% | 65th pct | 72th pct |
| Net interest margin | 3.60% | 67th pct | 66th pct |
| Cost of funds | 1.64% | 43th pct | 51th pct |
| Loan-to-share | 80.76% | 34th pct | 34th pct |
| Delinquency 60+ days | 0.63% | 51th pct | 49th pct |
| Net charge-off ratio | 0.75% | 70th pct | 72th pct |
| Loan growth YoY | 2.98% | 66th pct | 78th pct |
| Share growth YoY | 4.90% | 63th pct | 97th pct |
| Efficiency ratio | 66.47% | 26th pct | 11th pct |
structural peer set hash: 3e44f6743f1fd002810bb3f0546730fc… (reproducible)
Closest structural peers
This is the free public view
Claim OREGON STATE
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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.