Memphis, TN · Charter 24831
NCUA · 12 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 | 0.24% | 0.05% | 0.22% | 0.21% | 0.20% | 0.19% | 0.13% | 0.10% | -11 bps | |
| Return on Equity | 1.20% | 0.27% | 1.13% | 1.13% | 1.05% | 1.04% | 0.69% | 0.56% | -57 bps | |
| Net Interest Margin | 3.51% | 3.50% | 3.28% | 3.25% | 3.26% | 3.29% | 3.23% | 3.30% | +5 bps | |
| Efficiency Ratio | 82.07% | 81.38% | 87.03% | 87.93% | 86.17% | 85.16% | 87.87% | 89.31% | +138 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.96% | -1.75% | -0.88% | 2.42% | 4.98% | 4.97% | 3.60% | 1.84% | -58 bps | |
| Loan Growth (YoY) | -4.43% | 0.37% | 4.52% | 5.69% | 6.38% | 7.05% | 7.20% | 9.17% | +347 bps | |
| Share Growth (YoY) | -1.36% | -2.13% | -0.96% | 3.12% | 6.06% | 5.98% | 4.12% | 1.87% | -125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.91% | 0.50% | 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 | 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 | 19.90% | 19.58% | 19.14% | 18.85% | 18.75% | 18.62% | 18.42% | 18.42% | -43 bps | |
| Net Worth / Assets | 19.90% | 19.58% | 19.14% | 18.85% | 18.75% | 18.62% | 18.42% | 18.42% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.09% | 105.27% | 102.08% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |