GALLATIN STEAM PLANT
Charter #63868 · GALLATIN, TN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 635 sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 1.44% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.62% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.22% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 63.95% 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 | GALLATIN STEAM PLANT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.83M | 85th pct | 48th pct |
| Members | 635 | 54th pct | 15th pct |
| Net worth ratio | 17.57% | 50th pct | 51th pct |
| Return on average assets | 1.44% | 83th pct | 89th pct |
| Net interest margin | 3.85% | 44th pct | 54th pct |
| Cost of funds | 1.62% | 81th pct | 79th pct |
| Loan-to-share | 67.95% | 61th pct | 57th pct |
| Delinquency 60+ days | 0.01% | 28th pct | 30th pct |
| Net charge-off ratio | 1.22% | 88th pct | 95th pct |
| Loan growth YoY | -4.67% | 53th pct | 52th pct |
| Share growth YoY | -0.82% | 43th pct | 30th pct |
| Efficiency ratio | 63.95% | 19th pct | 10th pct |
structural peer set hash: a447ae502839dbd803721e9bb94ef0af… (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.