LEADERS CREDIT UNION
Charter #61185 · Jackson, TN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.37% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 3.07% sits at the 97th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 54th — a 34-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 | LEADERS CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.31B | 21th pct | 54th pct |
| Members | 90,743 | 36th pct | 62th pct |
| Net worth ratio | 11.02% | 56th pct | 64th pct |
| Return on average assets | 1.20% | 81th pct | 72th pct |
| Net interest margin | 3.37% | 51th pct | 18th pct |
| Cost of funds | 3.07% | 95th pct | 97th pct |
| Loan-to-share | 99.17% | 88th pct | 77th pct |
| Delinquency 60+ days | 0.62% | 49th pct | 49th pct |
| Net charge-off ratio | 0.76% | 72th pct | 64th pct |
| Loan growth YoY | 4.59% | 78th pct | 75th pct |
| Share growth YoY | 7.60% | 84th pct | 82th pct |
| Efficiency ratio | 67.71% | 32th pct | 38th pct |
structural peer set hash: 03678fb2008517634e6eb03ec0036182… (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.