FEDTRUST
Charter #13233 · MEMPHIS, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,897 sits at the 10th percentile of structural peers — worth a closer look.
- Net worth ratio of 6.89% sits at the 2nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.05% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 56th — a 28-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 | FEDTRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $56.37M | 17th pct | 26th pct |
| Members | 2,897 | 8th pct | 10th pct |
| Net worth ratio | 6.89% | 1th pct | 2th pct |
| Return on average assets | 0.55% | 41th pct | 46th pct |
| Net interest margin | 3.82% | 55th pct | 39th pct |
| Cost of funds | 1.52% | 81th pct | 70th pct |
| Loan-to-share | 80.69% | 84th pct | 56th pct |
| Delinquency 60+ days | 0.82% | 64th pct | 59th pct |
| Net charge-off ratio | -0.05% | 6th pct | 3th pct |
| Loan growth YoY | -0.01% | 64th pct | 38th pct |
| Share growth YoY | 5.24% | 76th pct | 67th pct |
| Efficiency ratio | 87.39% | 72th pct | 72th pct |
structural peer set hash: f49ad58fde1bbca26d00811266d6021c… (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.