TONGASS
Charter #15523 · Ketchikan, AK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.31% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 26th — a 18-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 | TONGASS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $246.57M | 62th pct | 54th pct |
| Members | 14,609 | 57th pct | 64th pct |
| Net worth ratio | 12.96% | 69th pct | 74th pct |
| Return on average assets | 0.42% | 31th pct | 34th pct |
| Net interest margin | 4.31% | 85th pct | 89th pct |
| Cost of funds | 1.13% | 45th pct | 26th pct |
| Loan-to-share | 78.38% | 64th pct | 48th pct |
| Delinquency 60+ days | 0.56% | 45th pct | 44th pct |
| Net charge-off ratio | 0.24% | 36th pct | 51th pct |
| Loan growth YoY | 1.40% | 60th pct | 61th pct |
| Share growth YoY | -1.92% | 3th pct | 5th pct |
| Efficiency ratio | 89.50% | 84th pct | 74th pct |
structural peer set hash: e147fd3d4639b323396cac981a2547a3… (reproducible)
Closest structural peers
This is the free public view
Claim TONGASS
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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.