Memphis, TN · Charter 13233
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
70
Profitability
58
Liquidity
9
Efficiency
45
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Memphis, TN · Charter 13233
NCUA · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.56% | -0.40% | 0.29% | 0.30% | 0.13% | 0.55% | 0.57% | +28 bps | |
| Return on Equity | 9.41% | 7.41% | -5.69% | 4.03% | 4.16% | 1.92% | 7.92% | 7.94% | +390 bps | |
| Net Interest Margin | 3.43% | 3.55% | 3.54% | 3.59% | 3.67% | 3.67% | 3.77% | 3.94% | +35 bps | |
| Efficiency Ratio | 80.18% | 83.71% | 93.02% | 85.54% | 86.59% | 87.97% | 87.39% | 87.66% | +211 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.02% | 3.97% | 3.94% | 4.41% | 6.17% | 10.03% | 8.30% | 3.22% | -119 bps | |
| Loan Growth (YoY) | 7.70% | 2.64% | 5.20% | 2.76% | -0.68% | 0.07% | -1.32% | -1.44% | -420 bps | |
| Share Growth (YoY) | 6.58% | 4.83% | 4.53% | 3.63% | 6.66% | 11.01% | 8.92% | 4.13% | +50 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.83% | 1.29% | 1.09% | 0.57% | 0.82% | 0.82% | 0.52% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.44% | 7.54% | 7.11% | 7.16% | 7.21% | 6.95% | 6.89% | 7.17% | +1 bps | |
| Net Worth / Assets | 7.44% | 7.54% | 7.11% | 7.16% | 7.21% | 6.95% | 6.89% | 7.17% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.20% | 92.49% | 89.05% | 87.01% | 84.92% | 83.37% | 80.69% | 82.35% | -466 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Memphis, TN · Charter 13233 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 4 branches
Q2 2026
Return on Assets
0.57%
Rank 12 of 20
Net Interest Margin
3.94%
Rank 8 of 20
Efficiency Ratio
87.75%
Rank 12 of 20
Equity / Assets
7.17%
Rank 19 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | 0.17% | 0.80% | 1.30% | Beats 40% | 12 / 20 | ||
| Return on Equity | 7.93% | 1.70% | 5.99% | 7.93% | Beats 75% | 5 / 20 | ||
| Net Interest Margin | 3.94% | 3.56% | 3.85% | 4.24% | Beats 60% | 8 / 20 | ||
| Efficiency Ratio | 87.75% | 66.59% | 84.75% | 93.62% | Beats 45% | 12 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.32% | 0.63% | 1.03% | Beats 70% | 7 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.17% | 13.24% | 17.38% | 21.71% | Beats 5% | 19 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.17% | 13.24% | 17.38% | 21.71% | Beats 5% | 19 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.35% | 36.24% | 50.72% | 82.35% | 75th pctl | 5 / 20 | ||
| Loans / Assets | 75.96% | 30.61% | 46.06% | 66.54% | 95th pctl | 1 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||