TENNESSEE RIVER
Charter #14333 · COUNCE, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 33.05% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.98% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.33% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.02% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 58.58% ranks in the 20th 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 | TENNESSEE RIVER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.39M | 25th pct | 69th pct |
| Members | 1,561 | 27th pct | 69th pct |
| Net worth ratio | 33.05% | 99th pct | 82th pct |
| Return on average assets | 1.98% | 94th pct | 85th pct |
| Net interest margin | 4.75% | 86th pct | 61th pct |
| Cost of funds | 0.33% | 22th pct | 15th pct |
| Loan-to-share | 92.30% | 95th pct | 62th pct |
| Delinquency 60+ days | 0.02% | 12th pct | 8th pct |
| Net charge-off ratio | 0.00% | 23th pct | 31th pct |
| Loan growth YoY | -1.56% | 57th pct | 52th pct |
| Share growth YoY | 3.20% | 58th pct | 64th pct |
| Efficiency ratio | 58.58% | 9th pct | 20th pct |
structural peer set hash: c21e5ae85fbd339c86fb67651d58a415… (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.