I B E W 175
Charter #14634 · CHATTANOOGA, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 3.53% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.52% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.12% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.42% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 44.32% ranks in the 5th 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 | I B E W 175 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.52M | 15th pct | 38th pct |
| Members | 1,641 | 30th pct | 41th pct |
| Net worth ratio | 17.44% | 74th pct | 72th pct |
| Return on average assets | 3.53% | 99th pct | 95th pct |
| Net interest margin | 6.52% | 99th pct | 97th pct |
| Cost of funds | 1.11% | 63th pct | 49th pct |
| Loan-to-share | 85.35% | 90th pct | 72th pct |
| Delinquency 60+ days | 4.12% | 96th pct | 98th pct |
| Net charge-off ratio | -0.42% | 3th pct | 5th pct |
| Loan growth YoY | -2.83% | 47th pct | 38th pct |
| Share growth YoY | 7.89% | 91th pct | 80th pct |
| Efficiency ratio | 44.32% | 2th pct | 5th pct |
structural peer set hash: 99a0c2e2780107ca3cf359a19c0911dc… (reproducible)
Closest structural peers
This is the free public view
Claim I B E W 175
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.