FOOTHILLS
Charter #15015 · LOUDON, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.94% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.07% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.07% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 67th — a 21-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 | FOOTHILLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $92.91M | 88th pct | 67th pct |
| Members | 5,251 | 54th pct | 39th pct |
| Net worth ratio | 9.94% | 20th pct | 18th pct |
| Return on average assets | 0.92% | 63th pct | 57th pct |
| Net interest margin | 3.07% | 19th pct | 15th pct |
| Cost of funds | 1.26% | 68th pct | 70th pct |
| Loan-to-share | 50.98% | 32th pct | 39th pct |
| Delinquency 60+ days | 0.07% | 9th pct | 5th pct |
| Net charge-off ratio | -0.03% | 7th pct | 3th pct |
| Loan growth YoY | 1.61% | 76th pct | 77th pct |
| Share growth YoY | 10.76% | 97th pct | 95th pct |
| Efficiency ratio | 75.33% | 37th pct | 39th pct |
structural peer set hash: ecf2c7b3c23bbdefe22f05dddf84df95… (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.