EPB EMPLOYEES
Charter #60619 · CHATTANOOGA, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.39% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 4.93% sits at the 98th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 62nd — a 18-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 | EPB EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $38.96M | 80th pct | 62th pct |
| Members | 2,486 | 62th pct | 59th pct |
| Net worth ratio | 10.75% | 24th pct | 38th pct |
| Return on average assets | 0.34% | 33th pct | 31th pct |
| Net interest margin | 3.06% | 18th pct | 26th pct |
| Cost of funds | 1.39% | 74th pct | 79th pct |
| Loan-to-share | 44.50% | 27th pct | 34th pct |
| Delinquency 60+ days | 4.93% | 98th pct | 98th pct |
| Net charge-off ratio | 0.63% | 76th pct | 74th pct |
| Loan growth YoY | -4.33% | 35th pct | 31th pct |
| Share growth YoY | 0.34% | 29th pct | 26th pct |
| Efficiency ratio | 81.15% | 52th pct | 48th pct |
structural peer set hash: ba06d3f50cfb2e0a4c4dd1e70f161e0a… (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.