Memphis, TN · Charter 5811
NCUA · 1 branch
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 | -0.89% | -0.43% | -0.11% | 0.71% | 0.67% | +155 bps | |
| Return on Equity | -6.07% | -2.89% | -0.73% | 4.58% | 4.09% | +1,016 bps | |
| Net Interest Margin | 4.12% | 4.09% | 4.16% | 4.05% | 4.28% | +15 bps | |
| Efficiency Ratio | 87.88% | 90.52% | 89.82% | 88.06% | 88.06% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.77% | -2.50% | -2.10% | -4.33% | -6.51% | -728 bps | |
| Loan Growth (YoY) | -22.25% | -25.11% | -26.37% | -28.54% | -27.24% | -500 bps | |
| Share Growth (YoY) | 1.18% | -2.65% | -2.50% | -5.66% | -8.46% | -964 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.51% | 0.68% | 0.64% | 0.52% | -21 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 | 14.60% | 14.91% | 15.24% | 15.47% | 16.31% | +171 bps | |
| Net Worth / Assets | 14.60% | 14.91% | 15.24% | 15.47% | 16.31% | +171 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.43% | 43.14% | 39.69% | 36.49% | 36.90% | -953 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |