Memorial

Houston, TX · 2 · Charter #62571 · www.memorialcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$87.7M
37th percentile
Members
9,902
69th percentile
Total loans
$70.1M
58th percentile
Total shares
$76.4M
38th percentile

Profitability

Return on assets
0.09%
6th percentile
Net interest margin
4.92%
95th percentile
Efficiency ratio
90.24%
2th percentile
Non-interest income ratio
23.39%
78th percentile

Capital & Risk

Net worth ratio
10.68%
31th percentile
Delinquency rate
0.56%
61th percentile
Net charge-off rate
0.50%
34th percentile
Loan-to-share
91.78%
89th percentile

Growth

Member growth YoY
-3.27%
22th percentile
Asset growth YoY
-6.16%
2th percentile
Loan growth YoY
-7.80%
9th percentile
Share growth YoY
-6.20%
2th percentile

Operations

Members / branch
1,980
21th percentile
Assets / member
$8,856
8th percentile
Field of membership penetration
49.51%
90th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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