Memphis, TN · Charter 21751
NCUA · 10 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
61
Asset Quality
32
Profitability
35
Liquidity
53
Efficiency
72
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 21751
NCUA · 10 branches
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 | 0.12% | 0.11% | 0.83% | 0.66% | 0.52% | 0.47% | 0.08% | 0.57% | -9 bps | |
| Return on Equity | 0.87% | 0.79% | 5.86% | 4.64% | 3.64% | 3.32% | 0.60% | 4.02% | -62 bps | |
| Net Interest Margin | 2.88% | 3.08% | 3.23% | 3.30% | 3.34% | 3.34% | 3.42% | 3.48% | +18 bps | |
| Efficiency Ratio | 85.78% | 84.91% | 69.74% | 71.97% | 73.47% | 73.09% | 76.75% | 70.21% | -176 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.31% | -7.36% | -2.67% | -5.10% | 0.35% | 5.36% | 2.08% | 2.56% | +766 bps | |
| Loan Growth (YoY) | -3.63% | -2.04% | -1.54% | -0.62% | 0.13% | -0.21% | 1.44% | 1.01% | +163 bps | |
| Share Growth (YoY) | -4.92% | -2.42% | -1.90% | -1.82% | -0.15% | 2.05% | 2.66% | 4.10% | +592 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 1.69% | 1.64% | 1.67% | 1.84% | 1.37% | 1.20% | 1.04% | -64 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.08% | 14.54% | 14.08% | 14.29% | 14.35% | 14.06% | 13.88% | 14.15% | -14 bps | |
| Net Worth / Assets | 14.08% | 14.54% | 14.08% | 14.29% | 14.35% | 14.06% | 13.88% | 14.15% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.61% | 57.41% | 55.65% | 56.51% | 56.77% | 56.14% | 54.98% | 54.83% | -168 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 21751 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
Return on Assets
0.57%
Rank 1,052 of 1,683
Net Interest Margin
3.48%
Rank 1,142 of 1,683
Efficiency Ratio
70.21%
Rank 464 of 1,682
Equity / Assets
14.15%
Rank 650 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | 0.35% | 0.74% | 1.18% | Beats 37% | 1,052 / 1,683 | ||
| Return on Equity | 4.02% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,090 / 1,681 | ||
| Net Interest Margin | 3.48% | 3.31% | 3.82% | 4.32% | Beats 32% | 1,142 / 1,683 | ||
| Efficiency Ratio | 70.21% | 68.91% | 78.20% | 86.93% | Beats 72% | 464 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.04% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,149 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.15% | 10.44% | 12.89% | 16.53% | Beats 61% | 650 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.15% | 10.44% | 12.89% | 16.53% | Beats 61% | 650 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.83% | 52.61% | 69.38% | 83.50% | 28th pctl | 1,217 / 1,683 | ||
| Loans / Assets | 46.56% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,212 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||