ALCOA TENN
Charter #1509 · Alcoa, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 22,137 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 13.52% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.69% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.17% ranks in the 11th 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 | ALCOA TENN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $424.49M | 93th pct | 84th pct |
| Members | 22,137 | 84th pct | 75th pct |
| Net worth ratio | 13.52% | 75th pct | 75th pct |
| Return on average assets | 1.69% | 92th pct | 92th pct |
| Net interest margin | 3.55% | 43th pct | 49th pct |
| Cost of funds | 1.01% | 38th pct | 44th pct |
| Loan-to-share | 64.69% | 35th pct | 38th pct |
| Delinquency 60+ days | 0.45% | 36th pct | 34th pct |
| Net charge-off ratio | -0.01% | 4th pct | 3th pct |
| Loan growth YoY | 1.91% | 65th pct | 70th pct |
| Share growth YoY | 4.08% | 59th pct | 51th pct |
| Efficiency ratio | 63.17% | 12th pct | 11th pct |
structural peer set hash: 3aafc9bcd6c1b2f334b4954cd609a49c… (reproducible)
Closest structural peers
This is the free public view
Claim ALCOA TENN
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.