Memphis, TN · Charter 5811
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.52% | -1.67% | -0.89% | -0.43% | -0.11% | 0.71% | 0.67% | +155 bps | |
| Return on Equity | 4.79% | 3.46% | -11.65% | -6.07% | -2.89% | -0.73% | 4.58% | 4.09% | +1,016 bps | |
| Net Interest Margin | 4.18% | 4.19% | 4.03% | 4.12% | 4.09% | 4.16% | 4.05% | 4.28% | +15 bps | |
| Efficiency Ratio | 82.36% | 85.42% | 89.06% | 87.88% | 90.52% | 89.82% | 88.06% | 88.06% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.53% | 1.55% | 2.12% | 0.77% | -2.50% | -2.10% | -4.33% | -6.51% | -728 bps | |
| Loan Growth (YoY) | -8.91% | -19.19% | -19.56% | -22.25% | -25.11% | -26.37% | -28.54% | -27.24% | -500 bps | |
| Share Growth (YoY) | 1.82% | 1.30% | 2.55% | 1.18% | -2.65% | -2.50% | -5.66% | -8.46% | -964 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 1.70% | 1.26% | 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 | 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 | 14.87% | 15.03% | 14.32% | 14.60% | 14.91% | 15.24% | 15.47% | 16.31% | +171 bps | |
| Net Worth / Assets | 14.87% | 15.03% | 14.32% | 14.60% | 14.91% | 15.24% | 15.47% | 16.31% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.08% | 52.56% | 48.18% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |