T H P
Charter #4488 · Terre Haute, IN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.03% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.93% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.13% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 117.72% sits at the 97th 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 | T H P | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.16M | 51th pct | 25th pct |
| Members | 883 | 76th pct | 66th pct |
| Net worth ratio | 23.39% | 70th pct | 67th pct |
| Return on average assets | -1.03% | 16th pct | 3th pct |
| Net interest margin | 4.93% | 76th pct | 77th pct |
| Cost of funds | 0.13% | 24th pct | 7th pct |
| Loan-to-share | 90.57% | 87th pct | 79th pct |
| Delinquency 60+ days | 0.17% | 33th pct | 39th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -4.02% | 56th pct | 41th pct |
| Share growth YoY | 4.38% | 78th pct | 79th pct |
| Efficiency ratio | 117.72% | 87th pct | 97th pct |
structural peer set hash: cd2a47a276102b71b35ec628f7a4dee0… (reproducible)
Closest structural peers
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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.