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 | |