PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Memphis City Employees

Memphis, TN · Charter 60239

NCUA · 7 branches

Q2 2026

$502.5MAssets
$265.0MLoans
$420.2MShares
$72.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.55%, up 3 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.63% of loans (+10 bps YoY).
  • Capital: net worth / assets of 14.48%, down 16 bps from a year ago.
  • Funding: loans stand at 63.05% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+31 bps YoY

Efficiency Ratio (YTD, annualized)

77.14%-285 bps YoY

Net Worth / Assets

14.48%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.55%0.51%0.60%0.55%+3 bps
Return on Equity3.53%3.78%3.51%4.20%3.78%+25 bps
Net Interest Margin3.25%3.28%3.28%3.52%3.56%+31 bps
Efficiency Ratio79.98%79.39%79.87%74.16%77.14%-285 bps
Growth
Asset Growth (YoY)5.58%6.00%9.05%4.02%4.91%-66 bps
Loan Growth (YoY)2.10%1.13%0.86%0.50%-0.36%-246 bps
Share Growth (YoY)5.06%5.04%8.03%3.29%4.49%-56 bps
Asset Quality
Delinquent Loans / Loans0.53%0.49%0.61%0.54%0.63%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.63%14.55%14.37%14.40%14.48%-16 bps
Net Worth / Assets14.63%14.55%14.37%14.40%14.48%-16 bps
Liquidity & Funding
Loans / Shares66.12%65.09%64.31%62.31%63.05%-307 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps