POTLATCH NO. 1 FINANCIAL
Charter #68700 · LEWISTON, ID · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.85% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 2.29% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.32% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 43rd — a 25-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 | POTLATCH NO. 1 FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.15B | 48th pct | 61th pct |
| Members | 127,755 | 54th pct | 66th pct |
| Net worth ratio | 8.85% | 10th pct | 20th pct |
| Return on average assets | 0.61% | 41th pct | 41th pct |
| Net interest margin | 3.46% | 57th pct | 49th pct |
| Cost of funds | 2.29% | 78th pct | 80th pct |
| Loan-to-share | 91.79% | 68th pct | 43th pct |
| Delinquency 60+ days | 0.32% | 16th pct | 10th pct |
| Net charge-off ratio | 0.60% | 58th pct | 57th pct |
| Loan growth YoY | -1.66% | 11th pct | 10th pct |
| Share growth YoY | 0.97% | 9th pct | 17th pct |
| Efficiency ratio | 78.89% | 74th pct | 74th pct |
structural peer set hash: 762a84ddf885cab1838c20967b170160… (reproducible)
Closest structural peers
This is the free public view
Claim POTLATCH NO. 1 FINANCIAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.