TRUST
Charter #24629 · Chattanooga, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,617 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 0.40% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 2.28% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.66% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 87.96% sits at the 77th percentile of structural peers — worth a closer look.
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 | TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $140.40M | 26th pct | 18th pct |
| Members | 7,617 | 15th pct | 25th pct |
| Net worth ratio | 11.68% | 53th pct | 56th pct |
| Return on average assets | 0.40% | 29th pct | 21th pct |
| Net interest margin | 3.62% | 48th pct | 51th pct |
| Cost of funds | 2.28% | 94th pct | 84th pct |
| Loan-to-share | 86.06% | 81th pct | 46th pct |
| Delinquency 60+ days | 1.66% | 92th pct | 95th pct |
| Net charge-off ratio | 0.16% | 26th pct | 59th pct |
| Loan growth YoY | 4.78% | 86th pct | 82th pct |
| Share growth YoY | 6.03% | 81th pct | 80th pct |
| Efficiency ratio | 87.96% | 80th pct | 77th pct |
structural peer set hash: 8029c5efed6f68c26a8aa4e41274ab13… (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.