SCENIC COMMUNITY
Charter #67747 · Hixson, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.45% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.21% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.27% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 67th — a 32-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 | SCENIC COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $160.80M | 35th pct | 67th pct |
| Members | 14,213 | 55th pct | 70th pct |
| Net worth ratio | 9.44% | 20th pct | 26th pct |
| Return on average assets | -0.45% | 4th pct | 3th pct |
| Net interest margin | 4.19% | 80th pct | 57th pct |
| Cost of funds | 1.56% | 70th pct | 67th pct |
| Loan-to-share | 86.87% | 83th pct | 77th pct |
| Delinquency 60+ days | 1.21% | 83th pct | 85th pct |
| Net charge-off ratio | 1.27% | 94th pct | 84th pct |
| Loan growth YoY | -3.35% | 14th pct | 10th pct |
| Share growth YoY | -0.66% | 6th pct | 13th pct |
| Efficiency ratio | 88.05% | 80th pct | 74th pct |
structural peer set hash: e0c40ffa8d74f3e6701658b32c99038c… (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.