ST JOE VALLEY
Charter #97066 · ST MARIES, ID · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,135 sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of 1.49% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.35% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.13% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 68.48% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
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 | ST JOE VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.88M | 16th pct | 3th pct |
| Members | 1,135 | 9th pct | 3th pct |
| Net worth ratio | 11.38% | 30th pct | 41th pct |
| Return on average assets | 1.49% | 86th pct | 93th pct |
| Net interest margin | 4.35% | 73th pct | 92th pct |
| Cost of funds | 0.13% | 9th pct | 13th pct |
| Loan-to-share | 52.64% | 42th pct | 43th pct |
| Delinquency 60+ days | 0.44% | 43th pct | 46th pct |
| Net charge-off ratio | 0.08% | 45th pct | 54th pct |
| Loan growth YoY | 5.39% | 93th pct | 90th pct |
| Share growth YoY | 4.06% | 66th pct | 62th pct |
| Efficiency ratio | 68.48% | 24th pct | 11th pct |
structural peer set hash: 25a39ec4a37d0727c6865a997af48d5c… (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.