HIWASSEE RIVER
Charter #67946 · CHARLESTON, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.86% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.13% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.24% 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 56th percentile but its structural peers at the 31st — a 25-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 | HIWASSEE RIVER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.85M | 56th pct | 31th pct |
| Members | 1,954 | 44th pct | 33th pct |
| Net worth ratio | 10.74% | 24th pct | 38th pct |
| Return on average assets | 0.54% | 43th pct | 43th pct |
| Net interest margin | 2.86% | 13th pct | 16th pct |
| Cost of funds | 0.13% | 9th pct | 20th pct |
| Loan-to-share | 48.21% | 34th pct | 38th pct |
| Delinquency 60+ days | 0.07% | 18th pct | 18th pct |
| Net charge-off ratio | -0.24% | 5th pct | 0th pct |
| Loan growth YoY | -6.49% | 20th pct | 10th pct |
| Share growth YoY | 2.38% | 49th pct | 52th pct |
| Efficiency ratio | 82.40% | 55th pct | 56th pct |
structural peer set hash: c902278f980701b15b5ef73846ee0c09… (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.