KNOX CO. EMPLOYEES
Charter #67793 · KNOXVILLE, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.59% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.43% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 39th — a 27-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 | KNOX CO. EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.79M | 12th pct | 39th pct |
| Members | 1,344 | 19th pct | 31th pct |
| Net worth ratio | 18.01% | 77th pct | 56th pct |
| Return on average assets | 1.36% | 81th pct | 67th pct |
| Net interest margin | 4.59% | 81th pct | 79th pct |
| Cost of funds | 0.43% | 28th pct | 25th pct |
| Loan-to-share | 62.19% | 58th pct | 54th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.36% | 65th pct | 70th pct |
| Loan growth YoY | -5.55% | 26th pct | 31th pct |
| Share growth YoY | 3.31% | 59th pct | 62th pct |
| Efficiency ratio | 71.17% | 29th pct | 41th pct |
structural peer set hash: 37987f6e46136a73005cbf7a5e832deb… (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.