Fedtrust
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
$55.3MAssets
$42.0MLoans
$51.0MShares
$4.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 75% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 5 of 20).
- Widest gap: equity / assets trails 95% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 19 of 20).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |