JACK DANIEL EMPLOYEES
Charter #67197 · LYNCHBURG, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,275 sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 1.29% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.31% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.17% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.69% 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 | JACK DANIEL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $55.49M | 14th pct | 26th pct |
| Members | 3,275 | 14th pct | 18th pct |
| Net worth ratio | 11.28% | 34th pct | 31th pct |
| Return on average assets | 1.29% | 77th pct | 80th pct |
| Net interest margin | 3.31% | 29th pct | 15th pct |
| Cost of funds | 0.17% | 8th pct | 11th pct |
| Loan-to-share | 77.21% | 80th pct | 49th pct |
| Delinquency 60+ days | 0.56% | 46th pct | 46th pct |
| Net charge-off ratio | 0.18% | 43th pct | 43th pct |
| Loan growth YoY | 2.16% | 81th pct | 70th pct |
| Share growth YoY | 3.59% | 60th pct | 57th pct |
| Efficiency ratio | 63.69% | 16th pct | 10th pct |
structural peer set hash: 7cc00f4c6e7dd5a077b62c261afefb66… (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.