Memphis, TN · Charter 13233
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |