APPLIANCE
Charter #67976 · CLEVELAND, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.33% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 0.15% sits at the 21st percentile of structural peers — worth a closer look.
- Efficiency ratio of 89.76% sits at the 75th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 41st percentile but its structural peers at the 62nd — a 21-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 | APPLIANCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.15M | 28th pct | 23th pct |
| Members | 1,963 | 44th pct | 41th pct |
| Net worth ratio | 10.33% | 20th pct | 25th pct |
| Return on average assets | 0.15% | 24th pct | 21th pct |
| Net interest margin | 3.51% | 35th pct | 38th pct |
| Cost of funds | 0.64% | 41th pct | 62th pct |
| Loan-to-share | 32.29% | 12th pct | 26th pct |
| Delinquency 60+ days | 0.57% | 49th pct | 48th pct |
| Net charge-off ratio | 0.42% | 68th pct | 72th pct |
| Loan growth YoY | -8.46% | 11th pct | 17th pct |
| Share growth YoY | 8.81% | 93th pct | 93th pct |
| Efficiency ratio | 89.76% | 72th pct | 75th pct |
structural peer set hash: ff4897683a6d2bc7dbcebffb777516ec… (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.