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Methodist Healthcare

Cordova, TN · Charter 13456

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Memphis, TN-MS-AR area3

Basis

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.

Peer group

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.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

65

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Methodist Healthcare

Cordova, TN · Charter 13456

NCUA · 5 branches

Q2 2026

$46.2MAssets
$7.3MLoans
$37.5MShares
$8.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.80%, up 78 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 1.03% of loans (-137 bps YoY).
  • Capital: net worth / assets of 17.62%, up 67 bps from a year ago.
  • Funding: loans stand at 19.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.80%+78 bps YoY

Net Interest Margin (YTD, annualized)

3.71%+44 bps YoY

Efficiency Ratio (YTD, annualized)

77.11%-1,494 bps YoY

Net Worth / Assets

17.62%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.02%0.18%0.21%0.25%0.80%+78 bps
Return on Equity0.12%1.02%1.14%1.46%4.53%+441 bps
Net Interest Margin3.27%3.49%3.67%3.49%3.71%+44 bps
Efficiency Ratio92.05%87.84%87.83%88.62%77.11%-1,494 bps
Growth
Asset Growth (YoY)-0.96%-0.89%-0.43%0.58%-2.25%-129 bps
Loan Growth (YoY)-18.32%-17.02%-16.45%-8.60%-5.39%+1,293 bps
Share Growth (YoY)-1.81%-0.68%-0.58%-0.87%-3.50%-169 bps
Asset Quality
Delinquent Loans / Loans2.40%2.31%2.86%2.15%1.03%-137 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.95%17.29%18.10%17.19%17.62%+67 bps
Net Worth / Assets16.95%17.29%18.10%17.19%17.62%+67 bps
Liquidity & Funding
Loans / Shares19.80%19.22%19.98%19.00%19.41%-39 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Methodist Healthcare

Cordova, TN · Charter 13456 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)

NCUA · 5 branches

Q2 2026

$46.2MAssets
$7.3MLoans
$37.5MShares
$8.1MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 65% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 8 of 20).
  • Widest gap: nonperforming loans / loans trails 75% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 16 of 20).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.80%

Rank 10 of 20

Net Interest Margin

3.72%

Rank 13 of 20

Efficiency Ratio

77.01%

Rank 8 of 20

Equity / Assets

17.62%

Rank 9 of 20

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.17%0.80%1.30%Beats 50%10 / 20
Return on Equity4.54%1.70%5.99%7.93%Beats 45%11 / 20
Net Interest Margin3.72%3.56%3.85%4.24%Beats 35%13 / 20
Efficiency Ratio77.01%66.59%84.75%93.62%Beats 65%8 / 20
Asset Quality
Nonperforming Loans / Loans1.03%0.32%0.63%1.03%Beats 25%16 / 20
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.62%13.24%17.38%21.71%Beats 55%9 / 20
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.62%13.24%17.38%21.71%Beats 55%9 / 20
Liquidity & Funding
Loans / Deposits19.41%36.24%50.72%82.35%0th pctl20 / 20
Loans / Assets15.74%30.61%46.06%66.54%0th pctl20 / 20
Brokered Deposits / Depositsn/aNot reported for this institution