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Memorial

Gulfport, MS · Charter 14824

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

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 (n=1,681 to 1,683). 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

99

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

18

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

Memorial

Gulfport, MS · Charter 14824

NCUA · 1 branch

Q2 2026

$5.9MAssets
$2.0MLoans
$3.6MShares
$2.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.10%, down 24 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 0.16% of loans (+1 bps YoY).
  • Capital: net worth / assets of 38.30%, up 83 bps from a year ago.
  • Funding: loans stand at 55.67% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.10%-24 bps YoY

Net Interest Margin (YTD, annualized)

4.67%-43 bps YoY

Efficiency Ratio (YTD, annualized)

89.97%-384 bps YoY

Net Worth / Assets

38.30%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.45%0.22%0.34%0.65%0.75%0.17%0.10%-24 bps
Return on Equity1.89%1.22%0.61%0.90%1.81%1.99%0.46%0.27%-63 bps
Net Interest Margin4.23%4.54%4.84%5.10%4.95%5.11%4.66%4.67%-43 bps
Efficiency Ratio85.78%88.22%97.36%93.81%88.63%87.00%86.29%89.97%-384 bps
Growth
Asset Growth (YoY)-8.89%-5.87%-7.82%-7.45%-0.62%0.05%-1.54%-0.51%+694 bps
Loan Growth (YoY)-17.74%-16.42%-23.09%-3.78%4.54%4.81%16.77%-4.86%-108 bps
Share Growth (YoY)-13.43%-13.06%-11.75%-11.65%-1.42%3.45%-3.57%-1.69%+996 bps
Asset Quality
Delinquent Loans / Loans1.09%2.18%1.99%0.14%0.27%0.20%0.43%0.16%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital35.55%36.97%36.59%37.47%36.19%37.71%37.91%38.30%+83 bps
Net Worth / Assets35.55%36.97%36.59%37.47%36.19%37.71%37.91%38.30%+83 bps
Liquidity & Funding
Loans / Shares51.18%56.81%45.50%57.53%54.27%57.56%55.09%55.67%-185 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

Memorial

Gulfport, MS · Charter 14824 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$5.9MAssets
$2.0MLoans
$3.6MShares
$2.3MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 99% of credit unions under $1B in assets (rank 18 of 1683).
  • Widest gap: return on equity trails 87% of credit unions under $1B in assets (rank 1469 of 1681).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.10%

Rank 1,444 of 1,683

Net Interest Margin

4.66%

Rank 263 of 1,683

Efficiency Ratio

89.86%

Rank 1,379 of 1,682

Equity / Assets

38.30%

Rank 18 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.10%0.35%0.74%1.18%Beats 14%1,444 / 1,683
Return on Equity0.27%2.67%5.89%8.74%Beats 13%1,469 / 1,681
Net Interest Margin4.66%3.31%3.82%4.32%Beats 84%263 / 1,683
Efficiency Ratio89.86%68.91%78.20%86.93%Beats 18%1,379 / 1,682
Asset Quality
Nonperforming Loans / Loans0.15%0.26%0.65%1.29%Beats 83%290 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio38.30%10.44%12.89%16.53%Beats 99%18 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets38.30%10.44%12.89%16.53%Beats 99%18 / 1,683
Liquidity & Funding
Loans / Deposits55.67%52.61%69.38%83.50%29th pctl1,199 / 1,683
Loans / Assets34.37%44.71%59.18%70.72%12th pctl1,481 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution