WESTEDGE
Charter #8113 · BELLINGHAM, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.10% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.81% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.79% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 59th — a 21-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 | WESTEDGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $79.06M | 67th pct | 52th pct |
| Members | 4,133 | 31th pct | 28th pct |
| Net worth ratio | 17.10% | 81th pct | 80th pct |
| Return on average assets | 0.91% | 62th pct | 72th pct |
| Net interest margin | 3.97% | 65th pct | 64th pct |
| Cost of funds | 0.91% | 49th pct | 62th pct |
| Loan-to-share | 54.16% | 38th pct | 59th pct |
| Delinquency 60+ days | 1.19% | 78th pct | 62th pct |
| Net charge-off ratio | 0.81% | 84th pct | 75th pct |
| Loan growth YoY | -2.30% | 41th pct | 48th pct |
| Share growth YoY | -0.11% | 17th pct | 23th pct |
| Efficiency ratio | 66.79% | 20th pct | 13th pct |
structural peer set hash: 5fcd2a004e3f49aff6e71233d73c9b66… (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.