TENNESSEE MEMBERS 1ST
Charter #5318 · Oak Ridge, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.06% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 3.06% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.80% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.34% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 94.92% sits at the 92nd 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 | TENNESSEE MEMBERS 1ST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $98.31M | 98th pct | 85th pct |
| Members | 4,465 | 38th pct | 43th pct |
| Net worth ratio | 11.53% | 36th pct | 38th pct |
| Return on average assets | 0.06% | 15th pct | 13th pct |
| Net interest margin | 3.06% | 19th pct | 25th pct |
| Cost of funds | 0.94% | 52th pct | 51th pct |
| Loan-to-share | 51.31% | 33th pct | 48th pct |
| Delinquency 60+ days | 1.80% | 91th pct | 93th pct |
| Net charge-off ratio | 1.34% | 93th pct | 93th pct |
| Loan growth YoY | -0.64% | 59th pct | 66th pct |
| Share growth YoY | 2.11% | 41th pct | 51th pct |
| Efficiency ratio | 94.92% | 90th pct | 92th pct |
structural peer set hash: dccfb0e12cb2aa521e90f3a5758bde8a… (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.