HEALTHNET
Charter #9994 · Cordova, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.18% sits at the 15th percentile of structural peers — worth a closer look.
- Efficiency ratio of 95.53% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 14th percentile but its structural peers at the 70th — a 57-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 | HEALTHNET | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $55.23M | 14th pct | 70th pct |
| Members | 4,461 | 38th pct | 72th pct |
| Net worth ratio | 13.84% | 62th pct | 44th pct |
| Return on average assets | 0.18% | 21th pct | 15th pct |
| Net interest margin | 3.09% | 20th pct | 26th pct |
| Cost of funds | 0.64% | 30th pct | 56th pct |
| Loan-to-share | 29.35% | 5th pct | 18th pct |
| Delinquency 60+ days | 0.21% | 21th pct | 34th pct |
| Net charge-off ratio | 0.03% | 22th pct | 34th pct |
| Loan growth YoY | -3.89% | 27th pct | 59th pct |
| Share growth YoY | 0.79% | 25th pct | 25th pct |
| Efficiency ratio | 95.53% | 90th pct | 93th pct |
structural peer set hash: 88dfd5f68cac1a55e2f129bc649d5e54… (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.