Memorial
Chattanooga, TN · Charter 63802 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$7.1MAssets
$3.3MLoans
$6.1MShares
$972KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets (rank 198 of 1683).
- Widest gap: efficiency ratio trails 95% of credit unions under $1B in assets (rank 1593 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.40%
Rank 1,562 of 1,683
Net Interest Margin
4.81%
Rank 198 of 1,683
Efficiency Ratio
106.28%
Rank 1,593 of 1,682
Equity / Assets
13.75%
Rank 711 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.40% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,562 / 1,683 | |
| Return on Equity | -2.88% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,569 / 1,681 | |
| Net Interest Margin | 4.81% | 3.31% | 3.82% | 4.32% | Beats 88% | 198 / 1,683 | |
| Efficiency Ratio | 106.28% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,593 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.19% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,223 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.75% | 10.44% | 12.89% | 16.53% | Beats 58% | 711 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.75% | 10.44% | 12.89% | 16.53% | Beats 58% | 711 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 54.06% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,232 / 1,683 | |
| Loans / Assets | 46.47% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,213 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |