Memphis, TN · Charter 20874
NCUA · 1 branch
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
98
Asset Quality
17
Profitability
49
Liquidity
83
Efficiency
9
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 20874
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.25% | -0.09% | -0.04% | -0.09% | -0.90% | 0.16% | 0.58% | +62 bps | |
| Return on Equity | 1.72% | 0.81% | -0.28% | -0.13% | -0.28% | -2.88% | 0.49% | 1.65% | +178 bps | |
| Net Interest Margin | 5.09% | 5.29% | 5.47% | 5.33% | 5.38% | 5.20% | 4.78% | 5.04% | -29 bps | |
| Efficiency Ratio | 91.36% | 95.62% | 101.49% | 105.77% | 106.20% | 109.79% | 101.90% | 96.86% | -891 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.09% | -5.31% | -11.32% | -5.49% | -10.15% | -5.83% | -8.48% | -11.22% | -573 bps | |
| Loan Growth (YoY) | 0.20% | -6.57% | -5.19% | -13.95% | -20.73% | -27.32% | -30.69% | -31.83% | -1,788 bps | |
| Share Growth (YoY) | -6.34% | -7.67% | -15.41% | -7.86% | -14.02% | -7.03% | -10.98% | -15.36% | -750 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.82% | 0.08% | 0.06% | 0.07% | 0.04% | 0.08% | 1.68% | +162 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 1.33% | 1.35% | 1.25% | 1.29% | 1.27% | 1.23% | 1.03% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.30% | 30.19% | 31.09% | 31.68% | 32.38% | 31.16% | 33.08% | 35.00% | +332 bps | |
| Net Worth / Assets | 29.30% | 30.19% | 31.09% | 31.68% | 32.38% | 31.16% | 33.08% | 35.00% | +332 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.10% | 94.95% | 98.00% | 90.79% | 84.91% | 74.23% | 76.31% | 73.12% | -1,767 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Memphis, TN · Charter 20874 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.54%
Rank 1,081 of 1,683
Net Interest Margin
5.05%
Rank 136 of 1,683
Efficiency Ratio
96.55%
Rank 1,527 of 1,682
Equity / Assets
34.99%
Rank 26 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.54% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,081 / 1,683 | ||
| Return on Equity | 1.55% | 2.67% | 5.89% | 8.74% | Beats 18% | 1,382 / 1,681 | ||
| Net Interest Margin | 5.05% | 3.31% | 3.82% | 4.32% | Beats 92% | 136 / 1,683 | ||
| Efficiency Ratio | 96.55% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,527 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.72% | 0.26% | 0.65% | 1.29% | Beats 17% | 1,392 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 34.99% | 10.44% | 12.89% | 16.53% | Beats 98% | 26 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 34.99% | 10.44% | 12.89% | 16.53% | Beats 98% | 26 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.15% | 52.61% | 69.38% | 83.50% | 57th pctl | 720 / 1,683 | ||
| Loans / Assets | 47.29% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,191 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||