LAKESIDE
Charter #67713 · New Johnsonvill, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.57% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.57% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.51% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 69th — a 21-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 | LAKESIDE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.80M | 90th pct | 69th pct |
| Members | 2,624 | 66th pct | 57th pct |
| Net worth ratio | 16.98% | 71th pct | 62th pct |
| Return on average assets | 1.57% | 88th pct | 89th pct |
| Net interest margin | 4.57% | 80th pct | 89th pct |
| Cost of funds | 0.93% | 55th pct | 59th pct |
| Loan-to-share | 60.42% | 55th pct | 46th pct |
| Delinquency 60+ days | 0.73% | 57th pct | 72th pct |
| Net charge-off ratio | 0.51% | 72th pct | 75th pct |
| Loan growth YoY | -2.20% | 52th pct | 57th pct |
| Share growth YoY | 4.05% | 66th pct | 54th pct |
| Efficiency ratio | 67.99% | 23th pct | 30th pct |
structural peer set hash: 1e6bf37453c31d26a838bbaae6f70582… (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.