Ups Employees
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
$44.9MAssets
$30.3MLoans
$33.5MShares
$10.8MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 95% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 1 of 20).
- Widest gap: nonperforming loans / loans trails 45% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 10 of 20).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 | 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 |