HEALTHCARE SERVICES
Charter #68173 · CHATTANOOGA, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,124 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.31% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.05% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.05% sits at the 75th percentile of structural peers — worth a closer look.
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 | HEALTHCARE SERVICES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.07M | 49th pct | 57th pct |
| Members | 3,124 | 78th pct | 75th pct |
| Net worth ratio | 15.52% | 63th pct | 62th pct |
| Return on average assets | 0.58% | 46th pct | 38th pct |
| Net interest margin | 4.07% | 61th pct | 48th pct |
| Cost of funds | 0.31% | 21th pct | 25th pct |
| Loan-to-share | 67.20% | 66th pct | 67th pct |
| Delinquency 60+ days | 0.34% | 39th pct | 43th pct |
| Net charge-off ratio | -0.05% | 14th pct | 10th pct |
| Loan growth YoY | -7.06% | 17th pct | 15th pct |
| Share growth YoY | 4.70% | 72th pct | 66th pct |
| Efficiency ratio | 89.05% | 71th pct | 75th pct |
structural peer set hash: 4bc44a9edd029559eeb74ce965fd6f6b… (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.