HAPPY VALLEY
Charter #68097 · ELIZABETHTON, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- On Members, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 54th — a 26-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 | HAPPY VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.40M | 75th pct | 54th pct |
| Members | 3,228 | 80th pct | 54th pct |
| Net worth ratio | 18.21% | 78th pct | 74th pct |
| Return on average assets | 1.02% | 69th pct | 49th pct |
| Net interest margin | 3.44% | 32th pct | 33th pct |
| Cost of funds | 0.82% | 48th pct | 67th pct |
| Loan-to-share | 31.66% | 11th pct | 25th pct |
| Delinquency 60+ days | 0.61% | 51th pct | 59th pct |
| Net charge-off ratio | 0.13% | 50th pct | 39th pct |
| Loan growth YoY | 0.15% | 72th pct | 75th pct |
| Share growth YoY | 0.16% | 28th pct | 23th pct |
| Efficiency ratio | 73.71% | 34th pct | 46th pct |
structural peer set hash: d75936ad099d632a5c481524315d5178… (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.