Memorial

GULFPORT, MS · 1 · Charter #14824 · www.memorialfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$6.0M
29th percentile
Members
1,137
41th percentile
Total loans
$2.1M
24th percentile
Total shares
$3.7M
24th percentile

Profitability

Return on assets
0.73%
46th percentile
Net interest margin
5.11%
85th percentile
Efficiency ratio
86.09%
16th percentile
Non-interest income ratio
8.34%
47th percentile

Capital & Risk

Net worth ratio
37.71%
96th percentile
Delinquency rate
0.20%
71th percentile
Net charge-off rate
0.53%
30th percentile
Loan-to-share
57.56%
46th percentile

Growth

Member growth YoY
-7.94%
8th percentile
Asset growth YoY
0.05%
42th percentile
Loan growth YoY
4.81%
78th percentile
Share growth YoY
3.45%
67th percentile

Operations

Members / branch
1,137
52th percentile
Assets / member
$5,246
18th percentile
Field of membership penetration
43.73%
59th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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