PUGET SOUND REFINERY
Charter #9145 · Anacortes, WA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,068 sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.90% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.20% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 73.09% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 46th — a 18-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 | PUGET SOUND REFINERY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.42M | 29th pct | 31th pct |
| Members | 1,068 | 7th pct | 11th pct |
| Net worth ratio | 15.49% | 63th pct | 66th pct |
| Return on average assets | 1.08% | 71th pct | 74th pct |
| Net interest margin | 3.76% | 45th pct | 33th pct |
| Cost of funds | 1.90% | 88th pct | 82th pct |
| Loan-to-share | 66.05% | 64th pct | 46th pct |
| Delinquency 60+ days | 2.20% | 87th pct | 80th pct |
| Net charge-off ratio | 0.29% | 61th pct | 67th pct |
| Loan growth YoY | -13.61% | 2th pct | 0th pct |
| Share growth YoY | -6.66% | 2th pct | 5th pct |
| Efficiency ratio | 73.09% | 33th pct | 25th pct |
structural peer set hash: a0c3167fce1f170af0a47e964e21a0ab… (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.