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Tampa, FL · Charter 68016 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 1 branch
Q2 2026
$35.8MAssets
$24.6MLoans
$28.8MShares
$6.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 85% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 4 of 20).
- Widest gap: net interest margin trails 50% 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
1.12%
Rank 7 of 20
Net Interest Margin
3.85%
Rank 10 of 20
Efficiency Ratio
63.78%
Rank 4 of 20
Equity / Assets
18.57%
Rank 8 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.17% | 0.80% | 1.30% | Beats 65% | 7 / 20 | |
| Return on Equity | 6.04% | 1.70% | 5.99% | 7.93% | Beats 55% | 9 / 20 | |
| Net Interest Margin | 3.85% | 3.56% | 3.85% | 4.24% | Beats 50% | 10 / 20 | |
| Efficiency Ratio | 63.78% | 66.59% | 84.75% | 93.62% | Beats 85% | 4 / 20 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.32% | 0.63% | 1.03% | Beats 60% | 9 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.57% | 13.24% | 17.38% | 21.71% | Beats 60% | 8 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.57% | 13.24% | 17.38% | 21.71% | Beats 60% | 8 / 20 | |
| Liquidity & Funding |
| Loans / Deposits | 85.35% | 36.24% | 50.72% | 82.35% | 85th pctl | 3 / 20 | |
| Loans / Assets | 68.68% | 30.61% | 46.06% | 66.54% | 85th pctl | 3 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |