BOWATER EMPLOYEES
Charter #67970 · Calhoun, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.29% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.60% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.41% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.69% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.54% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
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 | BOWATER EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $300.07M | 73th pct | 54th pct |
| Members | 20,767 | 79th pct | 64th pct |
| Net worth ratio | 10.31% | 32th pct | 46th pct |
| Return on average assets | 1.29% | 82th pct | 87th pct |
| Net interest margin | 4.60% | 92th pct | 93th pct |
| Cost of funds | 0.41% | 16th pct | 15th pct |
| Loan-to-share | 80.99% | 71th pct | 57th pct |
| Delinquency 60+ days | 0.58% | 48th pct | 46th pct |
| Net charge-off ratio | 0.69% | 78th pct | 90th pct |
| Loan growth YoY | 5.54% | 89th pct | 93th pct |
| Share growth YoY | -0.40% | 7th pct | 8th pct |
| Efficiency ratio | 64.54% | 14th pct | 7th pct |
structural peer set hash: 8afb8a7fcb9bbc710fe5cd01bca67b3b… (reproducible)
Closest structural peers
This is the free public view
Claim BOWATER EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.