Memphis, TN · Charter 20874
NCUA · 1 branch
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 | -0.04% | -0.09% | -0.90% | 0.16% | 0.58% | +62 bps | |
| Return on Equity | -0.13% | -0.28% | -2.88% | 0.49% | 1.65% | +178 bps | |
| Net Interest Margin | 5.33% | 5.38% | 5.20% | 4.78% | 5.04% | -29 bps | |
| Efficiency Ratio | 105.77% | 106.20% | 109.79% | 101.90% | 96.86% | -891 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.49% | -10.15% | -5.83% | -8.48% | -11.22% | -573 bps | |
| Loan Growth (YoY) | -13.95% | -20.73% | -27.32% | -30.69% | -31.83% | -1,788 bps | |
| Share Growth (YoY) | -7.86% | -14.02% | -7.03% | -10.98% | -15.36% | -750 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.25% | 1.29% | 1.27% | 1.23% | 1.03% | -22 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.68% | 32.38% | 31.16% | 33.08% | 35.00% | +332 bps | |
| Net Worth / Assets | 31.68% | 32.38% | 31.16% | 33.08% | 35.00% | +332 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |