EMPLOYEE RESOURCES
Charter #67789 · LAWRENCEBURG, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 24,812 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.30% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 0.29% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.55% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 1.87% sits at the 87th 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 | EMPLOYEE RESOURCES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $184.76M | 46th pct | 41th pct |
| Members | 24,812 | 88th pct | 84th pct |
| Net worth ratio | 9.30% | 18th pct | 13th pct |
| Return on average assets | 0.29% | 22th pct | 20th pct |
| Net interest margin | 3.55% | 43th pct | 18th pct |
| Cost of funds | 1.87% | 83th pct | 87th pct |
| Loan-to-share | 82.03% | 73th pct | 67th pct |
| Delinquency 60+ days | 0.51% | 42th pct | 34th pct |
| Net charge-off ratio | 0.73% | 80th pct | 67th pct |
| Loan growth YoY | -0.00% | 48th pct | 46th pct |
| Share growth YoY | 2.77% | 39th pct | 25th pct |
| Efficiency ratio | 78.86% | 51th pct | 48th pct |
structural peer set hash: cae33c70c882c8279c5e7b1ab701bb58… (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.