APPALACHIAN COMMUNITY
Charter #24495 · Kingsport, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.42% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.08% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 67th — a 24-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 | APPALACHIAN COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $183.65M | 45th pct | 44th pct |
| Members | 12,381 | 46th pct | 52th pct |
| Net worth ratio | 10.74% | 39th pct | 49th pct |
| Return on average assets | 0.56% | 40th pct | 44th pct |
| Net interest margin | 3.59% | 46th pct | 46th pct |
| Cost of funds | 2.42% | 96th pct | 90th pct |
| Loan-to-share | 91.90% | 92th pct | 67th pct |
| Delinquency 60+ days | 0.08% | 5th pct | 7th pct |
| Net charge-off ratio | 0.25% | 37th pct | 57th pct |
| Loan growth YoY | -1.98% | 25th pct | 13th pct |
| Share growth YoY | 2.30% | 32th pct | 36th pct |
| Efficiency ratio | 86.74% | 77th pct | 62th pct |
structural peer set hash: 6936a1fb3d83e5402172a6253da48ca7… (reproducible)
Closest structural peers
This is the free public view
Claim APPALACHIAN COMMUNITY
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.