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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |