Memphis, TN · Charter 68069
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | -0.51% | -0.58% | -0.04% | -0.82% | -94 bps | |
| Return on Equity | 0.80% | -3.45% | -4.11% | -0.29% | -6.03% | -683 bps | |
| Net Interest Margin | 5.28% | 5.44% | 5.33% | 5.44% | 5.42% | +14 bps | |
| Efficiency Ratio | 92.90% | 93.88% | 94.08% | 93.69% | 91.59% | -131 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.67% | 0.72% | 3.85% | 1.73% | 1.57% | +323 bps | |
| Loan Growth (YoY) | -0.73% | 4.42% | 1.35% | 2.49% | 3.36% | +409 bps | |
| Share Growth (YoY) | -1.38% | 2.16% | 5.84% | 3.36% | 3.51% | +489 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.10% | 14.69% | 14.15% | 13.99% | 13.62% | -148 bps | |
| Net Worth / Assets | 15.10% | 14.69% | 14.15% | 13.99% | 13.62% | -148 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |