Bulab Employees
Memphis, TN · Charter 20874 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$2.2MAssets
$1.0MLoans
$1.4MShares
$776KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of credit unions under $1B in assets (rank 26 of 1683).
- Widest gap: efficiency ratio trails 91% of credit unions under $1B in assets (rank 1527 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |