TVA COMMUNITY CREDIT UNION
Charter #68559 · MUSCLE SHOALS, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.28% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.57% sits at the 8th percentile of structural peers — worth a closer look.
- Efficiency ratio of 63.20% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 93rd percentile but its structural peers at the 74th — a 19-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 | TVA COMMUNITY CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $424.43M | 93th pct | 74th pct |
| Members | 20,008 | 77th pct | 74th pct |
| Net worth ratio | 18.28% | 95th pct | 93th pct |
| Return on average assets | 1.00% | 69th pct | 51th pct |
| Net interest margin | 2.57% | 5th pct | 8th pct |
| Cost of funds | 1.35% | 58th pct | 69th pct |
| Loan-to-share | 44.14% | 7th pct | 18th pct |
| Delinquency 60+ days | 0.29% | 21th pct | 28th pct |
| Net charge-off ratio | 0.42% | 55th pct | 67th pct |
| Loan growth YoY | 5.65% | 89th pct | 89th pct |
| Share growth YoY | 4.64% | 67th pct | 61th pct |
| Efficiency ratio | 63.20% | 12th pct | 25th pct |
structural peer set hash: 977d0da5246783713b3e1036a2867c4d… (reproducible)
Closest structural peers
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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.