MIDDLE TENNESSEE
Charter #19700 · COOKEVILLE, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.47% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.94% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.93% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 49.21% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 48th — a 20-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 | MIDDLE TENNESSEE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $70.56M | 48th pct | 44th pct |
| Members | 5,516 | 58th pct | 43th pct |
| Net worth ratio | 16.47% | 79th pct | 90th pct |
| Return on average assets | 1.94% | 94th pct | 95th pct |
| Net interest margin | 4.03% | 68th pct | 48th pct |
| Cost of funds | 1.29% | 71th pct | 64th pct |
| Loan-to-share | 61.59% | 52th pct | 44th pct |
| Delinquency 60+ days | 0.52% | 44th pct | 33th pct |
| Net charge-off ratio | 0.93% | 88th pct | 82th pct |
| Loan growth YoY | -4.60% | 21th pct | 26th pct |
| Share growth YoY | 4.24% | 67th pct | 52th pct |
| Efficiency ratio | 49.21% | 3th pct | 2th pct |
structural peer set hash: 132caf3f9552981405eda76db2fd71bc… (reproducible)
Closest structural peers
This is the free public view
Claim MIDDLE TENNESSEE
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.