F A A
Charter #9639 · Memphis, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.34% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.90% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.45% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.65% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 66th — a 46-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 | F A A | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $130.18M | 20th pct | 66th pct |
| Members | 7,656 | 16th pct | 52th pct |
| Net worth ratio | 18.34% | 95th pct | 87th pct |
| Return on average assets | 1.90% | 95th pct | 89th pct |
| Net interest margin | 4.45% | 88th pct | 95th pct |
| Cost of funds | 0.44% | 17th pct | 30th pct |
| Loan-to-share | 42.24% | 6th pct | 28th pct |
| Delinquency 60+ days | 0.91% | 72th pct | 67th pct |
| Net charge-off ratio | 0.20% | 31th pct | 31th pct |
| Loan growth YoY | -2.46% | 21th pct | 43th pct |
| Share growth YoY | 1.74% | 24th pct | 33th pct |
| Efficiency ratio | 64.65% | 14th pct | 20th pct |
structural peer set hash: f19cd350ec0deadcdc91ce642c2574fb… (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.