HARDIN COUNTY HOSPITAL EMPLOYEES
Charter #68120 · Savannah, TN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 367 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.99% sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 28th — 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 | HARDIN COUNTY HOSPITAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.06M | 18th pct | 16th pct |
| Members | 367 | 32th pct | 25th pct |
| Net worth ratio | 8.46% | 7th pct | 26th pct |
| Return on average assets | 0.35% | 48th pct | 69th pct |
| Net interest margin | 2.99% | 21th pct | 11th pct |
| Cost of funds | 0.92% | 63th pct | 70th pct |
| Loan-to-share | 56.94% | 48th pct | 43th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -10.11% | 28th pct | 34th pct |
| Share growth YoY | -19.40% | 1th pct | 0th pct |
| Efficiency ratio | 88.54% | 54th pct | 28th pct |
structural peer set hash: 0f941d6576a471a8d59e49d55c974d84… (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.