COLLEGEDALE
Charter #68167 · Collegedale, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.47% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.02% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.30% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.03% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 43rd — a 48-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 | COLLEGEDALE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.66M | 91th pct | 43th pct |
| Members | 4,417 | 94th pct | 67th pct |
| Net worth ratio | 9.47% | 14th pct | 25th pct |
| Return on average assets | 0.72% | 54th pct | 62th pct |
| Net interest margin | 4.02% | 58th pct | 84th pct |
| Cost of funds | 0.30% | 20th pct | 13th pct |
| Loan-to-share | 65.98% | 64th pct | 46th pct |
| Delinquency 60+ days | 0.03% | 13th pct | 15th pct |
| Net charge-off ratio | 0.12% | 49th pct | 57th pct |
| Loan growth YoY | 3.03% | 87th pct | 85th pct |
| Share growth YoY | 3.71% | 63th pct | 61th pct |
| Efficiency ratio | 85.33% | 63th pct | 57th pct |
structural peer set hash: 782b266a7903b346e516ffbe54fb2046… (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.