OTEEN V. A.
Charter #932 · ASHEVILLE, NC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.85% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.83% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.85% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 48th percentile but its structural peers at the 75th — a 27-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 | OTEEN V. A. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.81M | 72th pct | 52th pct |
| Members | 2,109 | 50th pct | 51th pct |
| Net worth ratio | 12.37% | 40th pct | 57th pct |
| Return on average assets | 1.85% | 92th pct | 93th pct |
| Net interest margin | 3.83% | 48th pct | 75th pct |
| Cost of funds | 0.71% | 44th pct | 44th pct |
| Loan-to-share | 46.25% | 30th pct | 31th pct |
| Delinquency 60+ days | 0.07% | 18th pct | 21th pct |
| Net charge-off ratio | 0.30% | 62th pct | 72th pct |
| Loan growth YoY | 2.19% | 83th pct | 85th pct |
| Share growth YoY | 3.50% | 61th pct | 61th pct |
| Efficiency ratio | 59.85% | 11th pct | 5th pct |
structural peer set hash: 7a2ddad18d5991d8b3eda5078e9b36bb… (reproducible)
Closest structural peers
This is the free public view
Claim OTEEN V. A.
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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.