SOUTH COAST ILWU
Charter #9376 · NORTH BEND, OR · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,036 sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 0.23% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.03% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 91.44% sits at the 80th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 49th — a 24-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 | SOUTH COAST ILWU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.76M | 33th pct | 34th pct |
| Members | 1,036 | 6th pct | 7th pct |
| Net worth ratio | 17.72% | 75th pct | 70th pct |
| Return on average assets | 0.28% | 30th pct | 28th pct |
| Net interest margin | 4.35% | 73th pct | 49th pct |
| Cost of funds | 0.23% | 16th pct | 23th pct |
| Loan-to-share | 62.16% | 58th pct | 62th pct |
| Delinquency 60+ days | 0.03% | 13th pct | 16th pct |
| Net charge-off ratio | 0.12% | 50th pct | 41th pct |
| Loan growth YoY | -1.18% | 60th pct | 69th pct |
| Share growth YoY | 0.09% | 27th pct | 28th pct |
| Efficiency ratio | 91.44% | 76th pct | 80th pct |
structural peer set hash: 57490585e4fd828d404346d44a69bcea… (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.