SAGE
Charter #960 · Klamath Falls, OR · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.44% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.66% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 57th — a 32-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 | SAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $387.76M | 87th pct | 57th pct |
| Members | 25,905 | 90th pct | 57th pct |
| Net worth ratio | 9.96% | 27th pct | 34th pct |
| Return on average assets | 0.60% | 42th pct | 54th pct |
| Net interest margin | 4.44% | 88th pct | 90th pct |
| Cost of funds | 0.66% | 25th pct | 25th pct |
| Loan-to-share | 75.92% | 58th pct | 44th pct |
| Delinquency 60+ days | 0.55% | 45th pct | 59th pct |
| Net charge-off ratio | 0.49% | 63th pct | 51th pct |
| Loan growth YoY | 1.66% | 64th pct | 54th pct |
| Share growth YoY | 2.46% | 34th pct | 34th pct |
| Efficiency ratio | 82.44% | 64th pct | 52th pct |
structural peer set hash: de7e68b3806596ba15490510cf635d00… (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.