CHATTAHOOCHEE
Charter #24221 · VALLEY, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.55% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 52nd — a 25-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 | CHATTAHOOCHEE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.52M | 45th pct | 49th pct |
| Members | 2,751 | 69th pct | 66th pct |
| Net worth ratio | 14.67% | 57th pct | 52th pct |
| Return on average assets | 1.55% | 87th pct | 84th pct |
| Net interest margin | 4.74% | 85th pct | 72th pct |
| Cost of funds | 0.88% | 52th pct | 41th pct |
| Loan-to-share | 75.03% | 77th pct | 52th pct |
| Delinquency 60+ days | 0.61% | 51th pct | 49th pct |
| Net charge-off ratio | 0.38% | 67th pct | 66th pct |
| Loan growth YoY | 4.97% | 92th pct | 92th pct |
| Share growth YoY | -0.04% | 26th pct | 33th pct |
| Efficiency ratio | 71.67% | 30th pct | 34th pct |
structural peer set hash: 4947348e1556937cd15e115c27d49bc4… (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.