HOLLEY
Charter #68073 · PARIS, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.70% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.84% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 56.80% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 59th — a 57-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 | HOLLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $101.99M | 2th pct | 59th pct |
| Members | 9,328 | 27th pct | 56th pct |
| Net worth ratio | 13.89% | 78th pct | 67th pct |
| Return on average assets | 1.70% | 92th pct | 85th pct |
| Net interest margin | 3.90% | 67th pct | 26th pct |
| Cost of funds | 1.84% | 82th pct | 77th pct |
| Loan-to-share | 89.13% | 88th pct | 85th pct |
| Delinquency 60+ days | 0.52% | 43th pct | 33th pct |
| Net charge-off ratio | 0.62% | 74th pct | 59th pct |
| Loan growth YoY | 2.22% | 69th pct | 70th pct |
| Share growth YoY | 4.28% | 62th pct | 52th pct |
| Efficiency ratio | 56.80% | 5th pct | 3th pct |
structural peer set hash: 7e2eccdbc1b74660e2c7ef9fece4d4dc… (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.