Kemba Delta
Bartlett, TN · Charter 24220 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 1 branch
Q2 2026
$31.2MAssets
$9.9MLoans
$21.4MShares
$9.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 3 of 20).
- Widest gap: nonperforming loans / loans trails 90% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 19 of 20).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.86%
Rank 3 of 20
Net Interest Margin
5.12%
Rank 3 of 20
Efficiency Ratio
63.29%
Rank 3 of 20
Equity / Assets
29.45%
Rank 2 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.86% | 0.17% | 0.80% | 1.30% | Beats 85% | 3 / 20 | |
| Return on Equity | 6.33% | 1.70% | 5.99% | 7.93% | Beats 60% | 8 / 20 | |
| Net Interest Margin | 5.12% | 3.56% | 3.85% | 4.24% | Beats 85% | 3 / 20 | |
| Efficiency Ratio | 63.29% | 66.59% | 84.75% | 93.62% | Beats 90% | 3 / 20 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.17% | 0.32% | 0.63% | 1.03% | Beats 10% | 19 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 29.45% | 13.24% | 17.38% | 21.71% | Beats 90% | 2 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 29.45% | 13.24% | 17.38% | 21.71% | Beats 90% | 2 / 20 | |
| Liquidity & Funding |
| Loans / Deposits | 46.16% | 36.24% | 50.72% | 82.35% | 45th pctl | 11 / 20 | |
| Loans / Assets | 31.71% | 30.61% | 46.06% | 66.54% | 35th pctl | 13 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |