Memphis, TN · Charter 68069
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
31
Profitability
35
Liquidity
42
Efficiency
15
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 68069
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 | -0.49% | -0.25% | 0.73% | 0.12% | -0.51% | -0.58% | -0.04% | -0.82% | -94 bps | |
| Return on Equity | -3.18% | -1.62% | 4.79% | 0.80% | -3.45% | -4.11% | -0.29% | -6.03% | -683 bps | |
| Net Interest Margin | 5.38% | 5.52% | 5.33% | 5.28% | 5.44% | 5.33% | 5.44% | 5.42% | +14 bps | |
| Efficiency Ratio | 80.70% | 83.78% | 92.65% | 92.90% | 93.88% | 94.08% | 93.69% | 91.59% | -131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.44% | 2.03% | 0.57% | -1.67% | 0.72% | 3.85% | 1.73% | 1.57% | +323 bps | |
| Loan Growth (YoY) | 1.36% | 0.49% | 0.39% | -0.73% | 4.42% | 1.35% | 2.49% | 3.36% | +409 bps | |
| Share Growth (YoY) | 4.91% | 2.87% | 0.96% | -1.38% | 2.16% | 5.84% | 3.36% | 3.51% | +489 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.30% | 2.61% | 1.87% | 1.01% | 2.37% | 1.64% | 2.70% | 1.04% | +3 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 | 15.28% | 15.51% | 15.23% | 15.10% | 14.69% | 14.15% | 13.99% | 13.62% | -148 bps | |
| Net Worth / Assets | 15.28% | 15.51% | 15.23% | 15.10% | 14.69% | 14.15% | 13.99% | 13.62% | -148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.58% | 85.43% | 82.37% | 82.78% | 85.43% | 81.81% | 81.67% | 82.66% | -12 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 68069 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.83%
Rank 1,601 of 1,683
Net Interest Margin
5.42%
Rank 85 of 1,683
Efficiency Ratio
91.57%
Rank 1,426 of 1,682
Equity / Assets
13.62%
Rank 729 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.83% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,601 / 1,683 | ||
| Return on Equity | -6.09% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,600 / 1,681 | ||
| Net Interest Margin | 5.42% | 3.31% | 3.82% | 4.32% | Beats 95% | 85 / 1,683 | ||
| Efficiency Ratio | 91.57% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,426 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.05% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,155 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.62% | 10.44% | 12.89% | 16.53% | Beats 57% | 729 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.62% | 10.44% | 12.89% | 16.53% | Beats 57% | 729 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.66% | 52.61% | 69.38% | 83.50% | 74th pctl | 438 / 1,683 | ||
| Loans / Assets | 69.79% | 44.71% | 59.18% | 70.72% | 73rd pctl | 452 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||