UNITED SOUTHEAST
Charter #4714 · Bristol, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.41% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.59% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.26% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.76% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 46th — 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 | UNITED SOUTHEAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $256.01M | 65th pct | 46th pct |
| Members | 23,504 | 86th pct | 72th pct |
| Net worth ratio | 13.41% | 73th pct | 75th pct |
| Return on average assets | 0.64% | 45th pct | 44th pct |
| Net interest margin | 3.58% | 45th pct | 34th pct |
| Cost of funds | 1.59% | 72th pct | 89th pct |
| Loan-to-share | 71.69% | 50th pct | 54th pct |
| Delinquency 60+ days | 0.26% | 19th pct | 20th pct |
| Net charge-off ratio | 0.76% | 82th pct | 77th pct |
| Loan growth YoY | -2.83% | 18th pct | 8th pct |
| Share growth YoY | 4.59% | 66th pct | 70th pct |
| Efficiency ratio | 77.32% | 44th pct | 34th pct |
structural peer set hash: 8bf1fd6a29d54d4445d4c9155759b15f… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED SOUTHEAST
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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.