US COMMUNITY
Charter #67720 · Nashville, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.58% 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 81st percentile but its structural peers at the 61st — a 20-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 | US COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $348.20M | 81th pct | 61th pct |
| Members | 25,463 | 89th pct | 72th pct |
| Net worth ratio | 11.19% | 46th pct | 49th pct |
| Return on average assets | 0.58% | 41th pct | 31th pct |
| Net interest margin | 3.57% | 44th pct | 28th pct |
| Cost of funds | 1.58% | 72th pct | 75th pct |
| Loan-to-share | 78.50% | 64th pct | 59th pct |
| Delinquency 60+ days | 0.67% | 55th pct | 57th pct |
| Net charge-off ratio | 0.41% | 55th pct | 48th pct |
| Loan growth YoY | 1.43% | 61th pct | 56th pct |
| Share growth YoY | 4.75% | 68th pct | 66th pct |
| Efficiency ratio | 81.68% | 61th pct | 72th pct |
structural peer set hash: 0377b8050f29ebead907e8639273e972… (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.