ENRICHMENT
Charter #6778 · OAK RIDGE, TN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.26% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 68.26% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 97th percentile but its structural peers at the 61st — a 36-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 | ENRICHMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $972.51M | 97th pct | 61th pct |
| Members | 48,359 | 69th pct | 38th pct |
| Net worth ratio | 11.87% | 70th pct | 74th pct |
| Return on average assets | 0.90% | 67th pct | 62th pct |
| Net interest margin | 3.30% | 35th pct | 33th pct |
| Cost of funds | 1.62% | 62th pct | 49th pct |
| Loan-to-share | 84.70% | 59th pct | 52th pct |
| Delinquency 60+ days | 0.26% | 17th pct | 10th pct |
| Net charge-off ratio | 0.37% | 45th pct | 39th pct |
| Loan growth YoY | 1.22% | 53th pct | 44th pct |
| Share growth YoY | 2.68% | 30th pct | 25th pct |
| Efficiency ratio | 68.26% | 18th pct | 11th pct |
structural peer set hash: 0f11648bf7f9b92a0d85b2fc7b85e84c… (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.