Memphis, TN · Charter 67608
NCUA · 1 branch
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
80
Asset Quality
55
Profitability
95
Liquidity
0
Efficiency
95
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 67608
NCUA · 1 branch
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 | 2.28% | 2.26% | 2.30% | 2.31% | 2.36% | 2.36% | 2.57% | 2.46% | +14 bps | |
| Return on Equity | 10.15% | 9.96% | 10.20% | 10.11% | 10.04% | 10.01% | 10.73% | 10.26% | +15 bps | |
| Net Interest Margin | 5.51% | 5.57% | 5.69% | 5.75% | 5.86% | 5.80% | 5.78% | 5.76% | +1 bps | |
| Efficiency Ratio | 56.46% | 57.57% | 61.54% | 61.15% | 59.32% | 58.51% | 53.20% | 55.15% | -600 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.38% | -0.79% | 0.63% | 0.00% | 5.14% | 6.25% | 3.88% | 5.66% | +567 bps | |
| Loan Growth (YoY) | -1.24% | -4.78% | -4.38% | -5.80% | -4.62% | -3.46% | -3.25% | 1.19% | +699 bps | |
| Share Growth (YoY) | -4.23% | -3.70% | -2.86% | -2.11% | 2.25% | 4.98% | 1.46% | 2.63% | +474 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.04% | 0.81% | 0.52% | 0.74% | 0.42% | 0.46% | 0.57% | +5 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 | 22.42% | 22.68% | 22.53% | 22.88% | 23.51% | 23.59% | 24.01% | 23.95% | +107 bps | |
| Net Worth / Assets | 22.42% | 22.68% | 22.53% | 22.88% | 23.51% | 23.59% | 24.01% | 23.95% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.76% | 98.21% | 95.27% | 91.84% | 93.99% | 90.32% | 90.84% | 90.55% | -128 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 67608 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
2.45%
Rank 1 of 20
Net Interest Margin
5.76%
Rank 1 of 20
Efficiency Ratio
55.15%
Rank 2 of 20
Equity / Assets
23.95%
Rank 4 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.45% | 0.17% | 0.80% | 1.30% | Beats 95% | 1 / 20 | ||
| Return on Equity | 10.25% | 1.70% | 5.99% | 7.93% | Beats 95% | 1 / 20 | ||
| Net Interest Margin | 5.76% | 3.56% | 3.85% | 4.24% | Beats 95% | 1 / 20 | ||
| Efficiency Ratio | 55.15% | 66.59% | 84.75% | 93.62% | Beats 95% | 2 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.32% | 0.63% | 1.03% | Beats 55% | 10 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.95% | 13.24% | 17.38% | 21.71% | Beats 80% | 4 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.95% | 13.24% | 17.38% | 21.71% | Beats 80% | 4 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.55% | 36.24% | 50.72% | 82.35% | 90th pctl | 2 / 20 | ||
| Loans / Assets | 67.50% | 30.61% | 46.06% | 66.54% | 80th pctl | 4 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||