Memphis, TN · Charter 24831
NCUA · 12 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
65
Profitability
17
Liquidity
0
Efficiency
3
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 24831
NCUA · 12 branches
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 | 0.21% | 0.20% | 0.19% | 0.13% | 0.10% | -11 bps | |
| Return on Equity | 1.13% | 1.05% | 1.04% | 0.69% | 0.56% | -57 bps | |
| Net Interest Margin | 3.25% | 3.26% | 3.29% | 3.23% | 3.30% | +5 bps | |
| Efficiency Ratio | 87.93% | 86.17% | 85.16% | 87.87% | 89.31% | +138 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.42% | 4.98% | 4.97% | 3.60% | 1.84% | -58 bps | |
| Loan Growth (YoY) | 5.69% | 6.38% | 7.05% | 7.20% | 9.17% | +347 bps | |
| Share Growth (YoY) | 3.12% | 6.06% | 5.98% | 4.12% | 1.87% | -125 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 0.55% | 0.97% | 0.56% | 0.55% | -4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.85% | 18.75% | 18.62% | 18.42% | 18.42% | -43 bps | |
| Net Worth / Assets | 18.85% | 18.75% | 18.62% | 18.42% | 18.42% | -43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 103.19% | 103.41% | 106.33% | 105.10% | 110.58% | +739 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Memphis, TN · Charter 24831 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
Return on Assets
0.10%
Rank 418 of 435
Net Interest Margin
3.30%
Rank 242 of 435
Efficiency Ratio
89.31%
Rank 423 of 435
Equity / Assets
18.42%
Rank 11 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.55% | 0.81% | 1.14% | Beats 4% | 418 / 435 | |
| Return on Equity | 0.56% | 5.12% | 7.41% | 9.70% | Beats 3% | 422 / 435 | |
| Net Interest Margin | 3.30% | 3.01% | 3.39% | 3.75% | Beats 44% | 242 / 435 | |
| Efficiency Ratio | 89.31% | 65.25% | 71.39% | 77.86% | Beats 3% | 423 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.55% | 0.45% | 0.69% | 1.05% | Beats 65% | 154 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.42% | 9.81% | 10.84% | 12.63% | Beats 97% | 11 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.42% | 9.81% | 10.84% | 12.63% | Beats 97% | 11 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 110.58% | 78.33% | 88.38% | 95.61% | 98th pctl | 8 / 435 | |
| Loans / Assets | 87.87% | 67.69% | 74.58% | 80.80% | 96th pctl | 17 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||