FAMILY ADVANTAGE
Charter #24603 · Spring Hill, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.24% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of -0.61% sits at the 7th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.58% sits at the 97th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 51st — a 19-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 | FAMILY ADVANTAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $91.27M | 86th pct | 74th pct |
| Members | 7,114 | 81th pct | 67th pct |
| Net worth ratio | 9.24% | 12th pct | 8th pct |
| Return on average assets | -0.61% | 5th pct | 7th pct |
| Net interest margin | 3.86% | 57th pct | 51th pct |
| Cost of funds | 0.65% | 32th pct | 51th pct |
| Loan-to-share | 45.43% | 23th pct | 34th pct |
| Delinquency 60+ days | 0.86% | 66th pct | 62th pct |
| Net charge-off ratio | 3.58% | 100th pct | 97th pct |
| Loan growth YoY | -14.87% | 0th pct | 2th pct |
| Share growth YoY | -4.92% | 1th pct | 3th pct |
| Efficiency ratio | 88.05% | 75th pct | 66th pct |
structural peer set hash: e4db8063fe2aa99d209ac8c13b1ad58c… (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.