Memphis Municipal Employees
Memphis, TN · Charter 15433 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$14.6MAssets
$5.0MLoans
$11.5MShares
$3.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 87% of credit unions under $1B in assets (rank 213 of 1683).
- Widest gap: return on assets trails 91% of credit unions under $1B in assets (rank 1527 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |