Memphis, TN · Charter 15433
NCUA · 2 branches
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 (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.
Capital
87
Asset Quality
13
Profitability
34
Liquidity
17
Efficiency
11
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 15433
NCUA · 2 branches
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 | -0.97% | -0.86% | -0.69% | -1.39% | -0.16% | +81 bps | |
| Return on Equity | -4.88% | -4.24% | -3.34% | -7.03% | -0.80% | +409 bps | |
| Net Interest Margin | 4.35% | 4.55% | 4.71% | 4.46% | 4.58% | +23 bps | |
| Efficiency Ratio | 97.22% | 98.67% | 98.81% | 107.22% | 94.28% | -293 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.09% | -4.55% | -3.27% | -2.00% | -3.35% | -26 bps | |
| Loan Growth (YoY) | -4.86% | -5.51% | -1.93% | -4.67% | -7.20% | -235 bps | |
| Share Growth (YoY) | -2.38% | -4.71% | -3.30% | -1.12% | -3.66% | -128 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.71% | 2.53% | 2.54% | 2.36% | 2.10% | -61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.95% | 20.37% | 20.68% | 19.75% | 20.32% | +37 bps | |
| Net Worth / Assets | 19.95% | 20.37% | 20.68% | 19.75% | 20.32% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.69% | 46.77% | 48.79% | 43.60% | 44.01% | -168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Memphis, TN · Charter 15433 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.16%
Rank 1,527 of 1,683
Net Interest Margin
4.58%
Rank 290 of 1,683
Efficiency Ratio
94.30%
Rank 1,491 of 1,682
Equity / Assets
20.31%
Rank 213 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.16% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,527 / 1,683 | |
| Return on Equity | -0.81% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,516 / 1,681 | |
| Net Interest Margin | 4.58% | 3.31% | 3.82% | 4.32% | Beats 83% | 290 / 1,683 | |
| Efficiency Ratio | 94.30% | 68.91% | 78.20% | 86.93% | Beats 11% | 1,491 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.10% | 0.26% | 0.65% | 1.29% | Beats 13% | 1,465 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.31% | 10.44% | 12.89% | 16.53% | Beats 87% | 213 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.31% | 10.44% | 12.89% | 16.53% | Beats 87% | 213 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.01% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,427 / 1,683 | |
| Loans / Assets | 34.66% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,473 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||