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Memorial Health Credit Union

Savannah, GA · Charter 68556

NCUA · 1 branch

Q3 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Memorial Health Credit Union

Savannah, GA · Charter 68556

NCUA · 1 branch

Q3 2022

$24.4MAssets
$14.1MLoans
$20.9MShares
$3.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.17%, up 18 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.20% of loans (-16 bps YoY).
  • Capital: net worth / assets of 14.27%, down 99 bps from a year ago.
  • Funding: loans stand at 67.73% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

0.17%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.03%-54 bps YoY

Efficiency Ratio (YTD, annualized)

94.48%-141 bps YoY

Net Worth / Assets

14.27%-99 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-0.01%0.03%-0.31%0.19%0.17%+18 bps
Return on Equity-0.04%0.17%-2.07%1.26%1.21%+125 bps
Net Interest Margin3.57%3.50%3.02%3.00%3.03%-54 bps
Efficiency Ratio95.89%95.64%107.65%94.63%94.48%-141 bps
Growth
Asset Growth (YoY)11.36%13.06%4.23%3.47%8.13%-323 bps
Loan Growth (YoY)13.51%11.66%10.67%12.61%16.99%+347 bps
Share Growth (YoY)13.76%15.74%5.12%4.14%9.40%-436 bps
Asset Quality
Delinquent Loans / Loans0.35%0.54%0.43%0.66%0.20%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.63%0.63%0.64%0.62%0.61%-2 bps
Capital
Risk-Based Capital15.25%15.04%14.84%15.10%14.27%-99 bps
Net Worth / Assets15.25%15.04%14.84%15.10%14.27%-99 bps
Liquidity & Funding
Loans / Shares63.34%62.34%62.96%68.49%67.73%+439 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps