CONSUMER
Charter #60056 · Greeneville, TN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 30,308 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 1.09% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.41% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.12% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.08% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
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 | CONSUMER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $651.24M | 36th pct | 25th pct |
| Members | 30,308 | 16th pct | 25th pct |
| Net worth ratio | 10.55% | 53th pct | 61th pct |
| Return on average assets | 1.09% | 77th pct | 84th pct |
| Net interest margin | 2.41% | 3th pct | 3th pct |
| Cost of funds | 2.05% | 83th pct | 67th pct |
| Loan-to-share | 87.65% | 70th pct | 51th pct |
| Delinquency 60+ days | 0.12% | 4th pct | 8th pct |
| Net charge-off ratio | 0.08% | 8th pct | 23th pct |
| Loan growth YoY | 1.54% | 56th pct | 54th pct |
| Share growth YoY | 2.43% | 27th pct | 28th pct |
| Efficiency ratio | 63.06% | 10th pct | 7th pct |
structural peer set hash: f2acb34dcf3737c898adc07de92dacc1… (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.