TENNESSEE VALLEY
Charter #1520 · Chattanooga, TN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.65% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.47% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.92% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.88% ranks in the 23rd 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 VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.19B | 67th pct | 69th pct |
| Members | 178,561 | 68th pct | 67th pct |
| Net worth ratio | 14.65% | 92th pct | 93th pct |
| Return on average assets | 1.47% | 92th pct | 89th pct |
| Net interest margin | 3.92% | 86th pct | 90th pct |
| Cost of funds | 1.69% | 45th pct | 39th pct |
| Loan-to-share | 87.79% | 54th pct | 39th pct |
| Delinquency 60+ days | 0.50% | 36th pct | 41th pct |
| Net charge-off ratio | 0.37% | 31th pct | 33th pct |
| Loan growth YoY | 6.33% | 88th pct | 90th pct |
| Share growth YoY | 7.83% | 86th pct | 87th pct |
| Efficiency ratio | 63.88% | 22th pct | 23th pct |
structural peer set hash: 500ccc4e29ea5ae66400ab7383303b9f… (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.