PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Memorial

Gulfport, MS · Charter 14824

NCUA · 1 branch

Q2 2026

$5.9MAssets
$2.0MLoans
$3.6MShares
$2.3MNet 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 0.10%, 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.

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.65%0.75%0.17%0.10%-24 bps
Return on Equity0.90%1.81%1.99%0.46%0.27%-63 bps
Net Interest Margin5.10%4.95%5.11%4.66%4.67%-43 bps
Efficiency Ratio93.81%88.63%87.00%86.29%89.97%-384 bps
Growth
Asset Growth (YoY)-7.45%-0.62%0.05%-1.54%-0.51%+694 bps
Loan Growth (YoY)-3.78%4.54%4.81%16.77%-4.86%-108 bps
Share Growth (YoY)-11.65%-1.42%3.45%-3.57%-1.69%+996 bps
Asset Quality
Delinquent Loans / Loans0.14%0.27%0.20%0.43%0.16%+1 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 Capital37.47%36.19%37.71%37.91%38.30%+83 bps
Net Worth / Assets37.47%36.19%37.71%37.91%38.30%+83 bps
Liquidity & Funding
Loans / Shares57.53%54.27%57.56%55.09%55.67%-185 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps