CN/IC EMPLOYEES
Charter #68069 · MEMPHIS, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,219 sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of -0.04% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 5.47% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.09% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.70% sits at the 90th percentile of structural peers — worth a closer look.
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 | CN/IC EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.39M | 1th pct | 8th pct |
| Members | 1,219 | 13th pct | 11th pct |
| Net worth ratio | 13.99% | 53th pct | 48th pct |
| Return on average assets | -0.04% | 17th pct | 18th pct |
| Net interest margin | 5.47% | 97th pct | 89th pct |
| Cost of funds | 0.09% | 6th pct | 2th pct |
| Loan-to-share | 81.67% | 86th pct | 64th pct |
| Delinquency 60+ days | 2.70% | 91th pct | 90th pct |
| Net charge-off ratio | -0.96% | 1th pct | 0th pct |
| Loan growth YoY | -1.44% | 58th pct | 59th pct |
| Share growth YoY | 3.09% | 57th pct | 52th pct |
| Efficiency ratio | 93.69% | 80th pct | 82th pct |
structural peer set hash: 8b99bdf4cac5ce13b7e52701f8a9d4b4… (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.