THE WEST TENNESSEE
Charter #60726 · Atoka, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,641 sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 3.85% sits at the 13th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.12% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 13th — a 36-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 | THE WEST TENNESSEE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.54M | 33th pct | 30th pct |
| Members | 1,641 | 30th pct | 15th pct |
| Net worth ratio | 10.85% | 25th pct | 33th pct |
| Return on average assets | 0.74% | 55th pct | 64th pct |
| Net interest margin | 3.85% | 50th pct | 13th pct |
| Cost of funds | 0.81% | 48th pct | 44th pct |
| Loan-to-share | 77.66% | 82th pct | 75th pct |
| Delinquency 60+ days | 0.90% | 65th pct | 59th pct |
| Net charge-off ratio | -0.12% | 8th pct | 7th pct |
| Loan growth YoY | -6.95% | 18th pct | 10th pct |
| Share growth YoY | 3.27% | 59th pct | 52th pct |
| Efficiency ratio | 81.97% | 54th pct | 48th pct |
structural peer set hash: 24dd2482d8349f8f6f5d18440acf196b… (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.