GREATER EXPERIENCE
Charter #67701 · Johnson City, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.55% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.20% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.33% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.75% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 104.11% sits at the 95th percentile of structural peers — worth a closer look.
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 | GREATER EXPERIENCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $56.96M | 18th pct | 39th pct |
| Members | 4,302 | 34th pct | 38th pct |
| Net worth ratio | 13.79% | 61th pct | 66th pct |
| Return on average assets | -0.55% | 6th pct | 3th pct |
| Net interest margin | 4.18% | 76th pct | 62th pct |
| Cost of funds | 0.20% | 10th pct | 13th pct |
| Loan-to-share | 77.44% | 80th pct | 66th pct |
| Delinquency 60+ days | 1.33% | 81th pct | 77th pct |
| Net charge-off ratio | 0.75% | 83th pct | 80th pct |
| Loan growth YoY | 0.32% | 67th pct | 59th pct |
| Share growth YoY | 3.16% | 54th pct | 56th pct |
| Efficiency ratio | 104.11% | 96th pct | 95th pct |
structural peer set hash: c0c6898437a9d6fbd404366e1166e5cd… (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.