Memphis, TN · Charter 13634
NCUA · 1 branch
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
85
Asset Quality
5
Profitability
32
Liquidity
0
Efficiency
5
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 13634
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.25% | -2.84% | -3.36% | -3.56% | -2.63% | +62 bps | |
| Return on Equity | -12.72% | -10.69% | -10.99% | -12.01% | -9.03% | +369 bps | |
| Net Interest Margin | 5.39% | 5.68% | 6.54% | 5.73% | 5.60% | +21 bps | |
| Efficiency Ratio | 121.98% | 121.98% | 127.75% | 151.42% | 132.95% | +1,097 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.15% | -10.10% | -19.19% | -20.85% | -19.49% | -934 bps | |
| Loan Growth (YoY) | -4.05% | -14.78% | -18.21% | -19.85% | -18.13% | -1,408 bps | |
| Share Growth (YoY) | -9.13% | -8.61% | -21.79% | -23.31% | -22.93% | -1,380 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.72% | 2.90% | 3.64% | 2.27% | 3.55% | +83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.31% | 1.33% | 1.80% | 2.11% | 2.47% | +116 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.58% | 26.60% | 30.57% | 29.67% | 29.13% | +355 bps | |
| Net Worth / Assets | 25.58% | 26.60% | 30.57% | 29.67% | 29.13% | +355 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.90% | 91.10% | 105.32% | 98.02% | 94.44% | +555 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Memphis, TN · Charter 13634 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
-2.64%
Rank 20 of 20
Net Interest Margin
5.61%
Rank 2 of 20
Efficiency Ratio
132.08%
Rank 20 of 20
Equity / Assets
29.14%
Rank 3 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.64% | 0.17% | 0.80% | 1.30% | Beats 0% | 20 / 20 | |
| Return on Equity | -9.07% | 1.70% | 5.99% | 7.93% | Beats 5% | 19 / 20 | |
| Net Interest Margin | 5.61% | 3.56% | 3.85% | 4.24% | Beats 90% | 2 / 20 | |
| Efficiency Ratio | 132.08% | 66.59% | 84.75% | 93.62% | Beats 5% | 20 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.54% | 0.32% | 0.63% | 1.03% | Beats 5% | 20 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 29.14% | 13.24% | 17.38% | 21.71% | Beats 85% | 3 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 29.14% | 13.24% | 17.38% | 21.71% | Beats 85% | 3 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.46% | 36.24% | 50.72% | 82.35% | 95th pctl | 1 / 20 | |
| Loans / Assets | 66.54% | 30.61% | 46.06% | 66.54% | 75th pctl | 5 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||