LATAH
Charter #97102 · MOSCOW, ID · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.61% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.03% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 61st — a 23-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 | LATAH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $169.22M | 39th pct | 36th pct |
| Members | 8,264 | 20th pct | 30th pct |
| Net worth ratio | 11.29% | 47th pct | 56th pct |
| Return on average assets | 1.61% | 91th pct | 92th pct |
| Net interest margin | 3.47% | 38th pct | 61th pct |
| Cost of funds | 0.93% | 35th pct | 44th pct |
| Loan-to-share | 61.32% | 29th pct | 49th pct |
| Delinquency 60+ days | 0.46% | 37th pct | 43th pct |
| Net charge-off ratio | 0.09% | 16th pct | 38th pct |
| Loan growth YoY | -0.71% | 39th pct | 41th pct |
| Share growth YoY | 3.42% | 49th pct | 44th pct |
| Efficiency ratio | 59.03% | 8th pct | 7th pct |
structural peer set hash: c2460e7c64dda6330539d9afd8e1a919… (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.