Kennedy VA Employees
Memphis, TN · Charter 5811 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 1 branch
Q2 2026
$24.4MAssets
$7.5MLoans
$20.3MShares
$4.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 4 of 20).
- Widest gap: efficiency ratio trails 65% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 14 of 20).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.66%
Rank 11 of 20
Net Interest Margin
4.27%
Rank 4 of 20
Efficiency Ratio
88.20%
Rank 14 of 20
Equity / Assets
16.31%
Rank 11 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.17% | 0.80% | 1.30% | Beats 45% | 11 / 20 | | |
| Return on Equity | 4.07% | 1.70% | 5.99% | 7.93% | Beats 40% | 12 / 20 | | |
| Net Interest Margin | 4.27% | 3.56% | 3.85% | 4.24% | Beats 80% | 4 / 20 | | |
| Efficiency Ratio | 88.20% | 66.59% | 84.75% | 93.62% | Beats 35% | 14 / 20 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.32% | 0.63% | 1.03% | Beats 65% | 8 / 20 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.31% | 13.24% | 17.38% | 21.71% | Beats 45% | 11 / 20 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.31% | 13.24% | 17.38% | 21.71% | Beats 45% | 11 / 20 | | |
| Liquidity & Funding |
| Loans / Deposits | 36.90% | 36.24% | 50.72% | 82.35% | 30th pctl | 14 / 20 | | |
| Loans / Assets | 30.71% | 30.61% | 46.06% | 66.54% | 30th pctl | 14 / 20 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |