TOMBIGBEE
Charter #17681 · AMORY, MS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.77% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.64% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.13% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 68.22% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 28th — a 37-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 | TOMBIGBEE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.48M | 65th pct | 28th pct |
| Members | 1,045 | 85th pct | 67th pct |
| Net worth ratio | 19.07% | 55th pct | 61th pct |
| Return on average assets | 1.77% | 88th pct | 82th pct |
| Net interest margin | 4.64% | 69th pct | 85th pct |
| Cost of funds | 0.91% | 62th pct | 44th pct |
| Loan-to-share | 62.14% | 54th pct | 51th pct |
| Delinquency 60+ days | 1.32% | 59th pct | 59th pct |
| Net charge-off ratio | -0.13% | 13th pct | 8th pct |
| Loan growth YoY | -1.25% | 68th pct | 69th pct |
| Share growth YoY | -2.38% | 31th pct | 15th pct |
| Efficiency ratio | 68.22% | 24th pct | 25th pct |
structural peer set hash: bc84bb449a3144c7013903285074584b… (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.