COMTRUST
Charter #606 · CHATTANOOGA, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.01% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.65% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.10% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.02% ranks in the 10th 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 | COMTRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $429.48M | 93th pct | 89th pct |
| Members | 17,550 | 68th pct | 74th pct |
| Net worth ratio | 11.30% | 47th pct | 39th pct |
| Return on average assets | 0.50% | 36th pct | 33th pct |
| Net interest margin | 2.01% | 1th pct | 3th pct |
| Cost of funds | 1.65% | 75th pct | 79th pct |
| Loan-to-share | 25.38% | 1th pct | 5th pct |
| Delinquency 60+ days | 0.10% | 7th pct | 3th pct |
| Net charge-off ratio | 0.02% | 8th pct | 10th pct |
| Loan growth YoY | -0.79% | 38th pct | 51th pct |
| Share growth YoY | 3.98% | 57th pct | 44th pct |
| Efficiency ratio | 79.28% | 52th pct | 57th pct |
structural peer set hash: 0129ee9edb7cce98d0ba2a3eba084bbe… (reproducible)
Closest structural peers
This is the free public view
Claim COMTRUST
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.