CUTTING EDGE
Charter #8317 · Milwaukie, OR · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.63% sits at the 15th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.13% sits at the 89th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 36th — 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 | CUTTING EDGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.80M | 6th pct | 18th pct |
| Members | 3,750 | 24th pct | 28th pct |
| Net worth ratio | 9.63% | 16th pct | 15th pct |
| Return on average assets | 0.20% | 21th pct | 28th pct |
| Net interest margin | 3.53% | 40th pct | 43th pct |
| Cost of funds | 0.76% | 38th pct | 59th pct |
| Loan-to-share | 41.06% | 15th pct | 36th pct |
| Delinquency 60+ days | 1.11% | 75th pct | 62th pct |
| Net charge-off ratio | 1.13% | 91th pct | 89th pct |
| Loan growth YoY | -1.89% | 47th pct | 52th pct |
| Share growth YoY | -1.76% | 7th pct | 5th pct |
| Efficiency ratio | 87.42% | 73th pct | 61th pct |
structural peer set hash: a1a0dca7ae4ea473e6de2186910569ef… (reproducible)
Closest structural peers
This is the free public view
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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.