Memphis, TN · Charter 60239
NCUA · 7 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 under $1B in assets in the Memphis, TN-MS-AR area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
50
Profitability
30
Liquidity
61
Efficiency
60
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 60239
NCUA · 7 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 | 0.42% | 0.40% | 0.50% | 0.52% | 0.55% | 0.51% | 0.60% | 0.55% | +3 bps | |
| Return on Equity | 2.84% | 2.62% | 3.44% | 3.53% | 3.78% | 3.51% | 4.20% | 3.78% | +25 bps | |
| Net Interest Margin | 3.05% | 3.13% | 3.16% | 3.25% | 3.28% | 3.28% | 3.52% | 3.56% | +31 bps | |
| Efficiency Ratio | 79.51% | 80.31% | 79.59% | 79.98% | 79.39% | 79.87% | 74.16% | 77.14% | -285 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.61% | 2.73% | 5.18% | 5.58% | 6.00% | 9.05% | 4.02% | 4.91% | -66 bps | |
| Loan Growth (YoY) | 0.29% | 0.62% | 0.82% | 2.10% | 1.13% | 0.86% | 0.50% | -0.36% | -246 bps | |
| Share Growth (YoY) | 1.23% | 2.56% | 5.30% | 5.06% | 5.04% | 8.03% | 3.29% | 4.49% | -56 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.33% | 0.49% | 0.53% | 0.49% | 0.61% | 0.54% | 0.63% | +10 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 | 14.91% | 15.12% | 14.43% | 14.63% | 14.55% | 14.37% | 14.40% | 14.48% | -16 bps | |
| Net Worth / Assets | 14.91% | 15.12% | 14.43% | 14.63% | 14.55% | 14.37% | 14.40% | 14.48% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.61% | 68.88% | 64.03% | 66.12% | 65.09% | 64.31% | 62.31% | 63.05% | -307 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Memphis, TN · Charter 60239 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 7 branches
Q2 2026
Return on Assets
0.55%
Rank 13 of 20
Net Interest Margin
3.56%
Rank 16 of 20
Efficiency Ratio
77.14%
Rank 9 of 20
Equity / Assets
14.48%
Rank 13 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.55% | 0.17% | 0.80% | 1.30% | Beats 35% | 13 / 20 | ||
| Return on Equity | 3.78% | 1.70% | 5.99% | 7.93% | Beats 35% | 13 / 20 | ||
| Net Interest Margin | 3.56% | 3.56% | 3.85% | 4.24% | Beats 20% | 16 / 20 | ||
| Efficiency Ratio | 77.14% | 66.59% | 84.75% | 93.62% | Beats 60% | 9 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.32% | 0.63% | 1.03% | Beats 50% | 11 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.48% | 13.24% | 17.38% | 21.71% | Beats 35% | 13 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.48% | 13.24% | 17.38% | 21.71% | Beats 35% | 13 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.05% | 36.24% | 50.72% | 82.35% | 60th pctl | 8 / 20 | ||
| Loans / Assets | 52.73% | 30.61% | 46.06% | 66.54% | 60th pctl | 8 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||