Memphis City Employees Credit Union
Total assets
$500.7M
▲ +4.0% YoY
Shares & deposits
$421.4M
▲ +3.3% YoY
Loans
$262.6M
▲ +0.5% YoY
Members
44,001
▼ -2.2% YoY
ROA (annualized)
0.60%
peers 0.62%
ROE (annualized)
4.20%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.8% | -0.7 pts |
| Share growth (YoY) | +3.3% | +4.3% | -1.0 pts |
| Loan growth (YoY) | +0.5% | +4.3% | -3.8 pts |
| ROA | 0.60% | 0.62% | -0.0 pts |
| ROE | 4.2% | 5.9% | -1.7 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
Profile
- Established
- 1959
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 2686 Mount Moriah Ter, Memphis, TN, 38115
- NCUA charter #
- 60239
- RSSD ID
- 317397
- 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 | $500.7M | $421.4M | $262.6M | $72.1M | $757K | 0.60% | 3.52% | 0.54% | 44,001 |
| Q4 2025 | $496.6M | $415.8M | $267.4M | $71.4M | $2.5M | 0.51% | 3.28% | 0.61% | 44,002 |
| Q3 2025 | $487.1M | $408.0M | $265.6M | $70.9M | $2.0M | 0.55% | 3.28% | 0.49% | 43,798 |
| Q2 2025 | $479.0M | $402.2M | $265.9M | $70.1M | $1.2M | 0.52% | 3.25% | 0.53% | 44,718 |
| Q1 2025 | $481.4M | $408.0M | $261.3M | $69.5M | $597K | 0.50% | 3.16% | 0.49% | 44,990 |
| Q4 2024 | $455.4M | $384.9M | $265.1M | $68.9M | $1.8M | 0.40% | 3.13% | 0.33% | 44,674 |
| Q3 2024 | $459.5M | $388.4M | $262.6M | $68.5M | $1.5M | 0.42% | 3.05% | 0.54% | 44,177 |
| Q2 2024 | $453.7M | $382.8M | $260.5M | $68.0M | $995K | 0.44% | 3.00% | 0.38% | 42,623 |
Loan mix (Q1 2026): real estate $135.7M · commercial $0 · consumer $121.2M · securities $163.2M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.62% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 5.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.48% | 54th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 78.3% | 30th | |
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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