Memorial Federal Credit Union
Total assets
$5.9M
▼ -1.5% YoY
Shares & deposits
$3.7M
▼ -3.6% YoY
Loans
$2.0M
▲ +16.8% YoY
Members
1,118
▼ -6.5% YoY
ROA (annualized)
0.17%
peers 0.60%
ROE (annualized)
0.46%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -3.6% | +0.7% | -4.2 pts |
| Loan growth (YoY) | +16.8% | -2.4% | +19.1 pts |
| ROA | 0.17% | 0.60% | -0.4 pts |
| ROE | 0.5% | 4.1% | -3.6 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
Profile
- Established
- 1962
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- Po Box 1810, Gulfport, MS, 39502
- NCUA charter #
- 14824
- RSSD ID
- 737986
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.9M | $3.7M | $2.0M | $2.3M | $3K | 0.17% | 4.66% | 0.43% | 1,118 |
| Q4 2025 | $6.0M | $3.7M | $2.1M | $2.2M | $45K | 0.75% | 5.11% | 0.20% | 1,137 |
| Q3 2025 | $6.2M | $3.9M | $2.1M | $2.2M | $30K | 0.65% | 4.95% | 0.27% | 1,157 |
| Q2 2025 | $5.9M | $3.7M | $2.1M | $2.2M | $10K | 0.34% | 5.10% | 0.14% | 1,171 |
| Q1 2025 | $6.0M | $3.8M | $1.7M | $2.2M | $3K | 0.22% | 4.84% | 1.99% | 1,196 |
| Q4 2024 | $6.0M | $3.6M | $2.0M | $2.2M | $27K | 0.45% | 4.54% | 2.18% | 1,235 |
| Q3 2024 | $6.2M | $4.0M | $2.0M | $2.2M | $31K | 0.67% | 4.23% | 1.09% | 1,266 |
| Q2 2024 | $6.4M | $4.2M | $2.2M | $2.2M | $19K | 0.58% | 3.94% | 1.26% | 1,278 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $3.1M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.83% | 82th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 81.5% | 61th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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