T M H
Charter #15175 · TALLAHASSEE, FL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 1.16% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 52nd — a 29-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 | T M H | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $89.02M | 81th pct | 52th pct |
| Members | 8,620 | 90th pct | 62th pct |
| Net worth ratio | 9.92% | 19th pct | 28th pct |
| Return on average assets | 0.30% | 28th pct | 31th pct |
| Net interest margin | 3.86% | 58th pct | 46th pct |
| Cost of funds | 0.92% | 50th pct | 43th pct |
| Loan-to-share | 75.92% | 78th pct | 62th pct |
| Delinquency 60+ days | 0.43% | 39th pct | 43th pct |
| Net charge-off ratio | 1.16% | 91th pct | 92th pct |
| Loan growth YoY | -3.50% | 31th pct | 18th pct |
| Share growth YoY | 3.30% | 56th pct | 54th pct |
| Efficiency ratio | 87.80% | 74th pct | 70th pct |
structural peer set hash: 86658dc8a46a7e4661d075404d8572b8… (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.