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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.10% | 0.35% | 0.74% | 1.18% | Beats 14% | 1,444 / 1,683 | |
| Return on Equity | 0.27% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,469 / 1,681 | |
| Net Interest Margin | 4.66% | 3.31% | 3.82% | 4.32% | Beats 84% | 263 / 1,683 | |
| Efficiency Ratio | 89.86% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,379 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.26% | 0.65% | 1.29% | Beats 83% | 290 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 38.30% | 10.44% | 12.89% | 16.53% | Beats 99% | 18 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 38.30% | 10.44% | 12.89% | 16.53% | Beats 99% | 18 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 55.67% | 52.61% | 69.38% | 83.50% | 29th pctl | 1,199 / 1,683 | |
| Loans / Assets | 34.37% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,481 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |