KOIN
Charter #68172 · Brentwood, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.73% sits at the 10th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.45% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 34th — a 40-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 | KOIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.04M | 74th pct | 34th pct |
| Members | 2,141 | 52th pct | 30th pct |
| Net worth ratio | 8.73% | 9th pct | 10th pct |
| Return on average assets | 0.56% | 44th pct | 51th pct |
| Net interest margin | 3.61% | 38th pct | 51th pct |
| Cost of funds | 0.99% | 57th pct | 48th pct |
| Loan-to-share | 65.33% | 63th pct | 54th pct |
| Delinquency 60+ days | 0.33% | 37th pct | 31th pct |
| Net charge-off ratio | 0.45% | 70th pct | 85th pct |
| Loan growth YoY | -4.19% | 37th pct | 20th pct |
| Share growth YoY | -2.78% | 9th pct | 11th pct |
| Efficiency ratio | 79.08% | 47th pct | 31th pct |
structural peer set hash: 92672ca973519559e8b6a82490e8868d… (reproducible)
Closest structural peers
This is the free public view
Claim KOIN
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.