FORTERA
Charter #9759 · Clarksville, TN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.58% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.11% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.16% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.11% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 61.52% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
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 | FORTERA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $938.88M | 92th pct | 34th pct |
| Members | 83,977 | 98th pct | 66th pct |
| Net worth ratio | 12.58% | 78th pct | 82th pct |
| Return on average assets | 2.11% | 98th pct | 97th pct |
| Net interest margin | 4.16% | 89th pct | 84th pct |
| Cost of funds | 1.68% | 66th pct | 54th pct |
| Loan-to-share | 88.42% | 72th pct | 59th pct |
| Delinquency 60+ days | 0.75% | 64th pct | 57th pct |
| Net charge-off ratio | 1.11% | 92th pct | 87th pct |
| Loan growth YoY | -0.53% | 32th pct | 25th pct |
| Share growth YoY | 5.06% | 69th pct | 83th pct |
| Efficiency ratio | 61.52% | 9th pct | 2th pct |
structural peer set hash: ec5f9586fdb7f3b6b3edf8be40db4647… (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.