Innorve

CHENEY

Charter #7101 · CHENEY, WA · $100M-$500M

Public 5300 data · as of 2026Q1

What the numbers say

  • Members of 6,438 sits at the 16th percentile of structural peers — worth a closer look.
  • Net interest margin of 2.63% sits at the 3rd percentile of structural peers — worth a closer look.
  • Cost of funds of 1.38% sits at the 85th percentile of structural peers — worth a closer look.
  • Net charge-off ratio of 0.14% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
  • Efficiency ratio of 73.36% ranks in the 18th 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.

MetricCHENEYAsset-tier percentileStructural percentile
Total assets$148.70M30th pct39th pct
Members6,4388th pct16th pct
Net worth ratio9.82%26th pct28th pct
Return on average assets0.64%45th pct59th pct
Net interest margin2.63%6th pct3th pct
Cost of funds1.38%60th pct85th pct
Loan-to-share57.85%23th pct33th pct
Delinquency 60+ days0.90%71th pct74th pct
Net charge-off ratio0.14%24th pct13th pct
Loan growth YoY0.74%54th pct41th pct
Share growth YoY4.57%65th pct66th pct
Efficiency ratio73.36%32th pct18th pct

structural peer set hash: ef0e909e3f063fc2e58feff31e65eade… (reproducible)

Closest structural peers

ECO62.1%
#65464 · AL
TRI COUNTY AREA60.1%
#6269 · PA
METROWEST COMMUNITY59.9%
#4731 · MA
HERITAGE VALLEY59.5%
#303 · PA
LOWER COLUMBIA LONGSHOREMEN59.3%
#9289 · WA
TRUECORE58.9%
#4024 · OH
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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.