| Metric | Memorial Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +1.3% | -6.2 pts |
| Share growth (YoY) | -5.2% | +0.9% | -6.1 pts |
| Loan growth (YoY) | -9.9% | -2.6% | -7.3 pts |
| ROA | 0.02% | 0.65% | -0.6 pts |
| ROE | 0.2% | 4.4% | -4.2 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $84.2M | $74.3M | $66.6M | $9.4M | $10K | 0.02% | 4.89% | 0.66% | 9,619 |
| Q1 2026 | $85.7M | $76.2M | $68.1M | $9.4M | $5K | 0.02% | 4.77% | 0.65% | 9,907 |
| Q4 2025 | $87.7M | $77.9M | $70.1M | $9.4M | $-234K | -0.27% | 4.92% | 0.56% | 9,902 |
| Q3 2025 | $87.1M | $77.2M | $72.5M | $9.5M | $-137K | -0.21% | 4.94% | 0.53% | 9,861 |
| Q2 2025 | $88.6M | $78.3M | $74.0M | $9.5M | $-87K | -0.20% | 4.87% | 0.57% | 9,899 |
| Q1 2025 | $92.4M | $81.9M | $73.6M | $9.6M | $-47K | -0.21% | 4.62% | 0.61% | 10,278 |
| Q4 2024 | $93.4M | $83.5M | $76.1M | $9.6M | $69K | 0.07% | 4.48% | 0.49% | 10,237 |
| Q3 2024 | $95.0M | $84.8M | $78.3M | $9.7M | $101K | 0.14% | 4.37% | 0.34% |
| Ratio | Memorial Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.65% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 10,231 |
| Q2 2024 | $97.6M | $86.7M | $79.7M | $9.6M | $71K | 0.14% | 4.20% | 0.34% | 10,176 |
Loan mix (Q2 2026): real estate $23.8M · commercial $0 · consumer $41.8M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% | 80.6% | 77th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Memorial Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Memorial Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Memorial Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Memorial Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Memorial Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Harris, TX, ranked 107th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 5 | $74.3M* | 0.02% | 107th |
Texas: 569th with 0.00% · Houston-Pasadena-The Woodlands metro: 132nd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 5 · 2026 5