ST. THOMAS
Charter #68071 · Nashville, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,417 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.76% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.60% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.59% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.03% ranks in the 11th 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 | ST. THOMAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $38.33M | 79th pct | 43th pct |
| Members | 2,417 | 61th pct | 25th pct |
| Net worth ratio | 11.97% | 36th pct | 56th pct |
| Return on average assets | 0.87% | 62th pct | 69th pct |
| Net interest margin | 4.76% | 86th pct | 77th pct |
| Cost of funds | 1.60% | 80th pct | 75th pct |
| Loan-to-share | 85.52% | 90th pct | 59th pct |
| Delinquency 60+ days | 2.59% | 90th pct | 89th pct |
| Net charge-off ratio | -0.03% | 17th pct | 11th pct |
| Loan growth YoY | 0.78% | 76th pct | 59th pct |
| Share growth YoY | -1.55% | 15th pct | 15th pct |
| Efficiency ratio | 77.79% | 43th pct | 31th pct |
structural peer set hash: 702002942b7f03e1c6a157c5daf2ad70… (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.