RESOUND
Charter #67972 · Nashville, TN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.19% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.84% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.23% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 36th — a 37-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 | RESOUND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $700.14M | 47th pct | 34th pct |
| Members | 50,001 | 73th pct | 36th pct |
| Net worth ratio | 10.42% | 51th pct | 48th pct |
| Return on average assets | 1.19% | 82th pct | 75th pct |
| Net interest margin | 3.53% | 51th pct | 28th pct |
| Cost of funds | 0.84% | 19th pct | 18th pct |
| Loan-to-share | 92.56% | 86th pct | 74th pct |
| Delinquency 60+ days | 0.55% | 46th pct | 43th pct |
| Net charge-off ratio | 0.44% | 51th pct | 30th pct |
| Loan growth YoY | 2.70% | 70th pct | 56th pct |
| Share growth YoY | 8.18% | 92th pct | 79th pct |
| Efficiency ratio | 66.23% | 16th pct | 18th pct |
structural peer set hash: 47904658dafb231d1ef2eebe32947ec4… (reproducible)
Closest structural peers
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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.