Memorial

Chattanooga, TN · 2 · Charter #63802 · www.memorialcreditunion.com
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
$7.1M
33th percentile
Members
1,281
46th percentile
Total loans
$3.7M
35th percentile
Total shares
$6.1M
35th percentile

Profitability

Return on assets
0.04%
17th percentile
Net interest margin
4.83%
79th percentile
Efficiency ratio
98.60%
7th percentile
Non-interest income ratio
19.14%
81th percentile

Capital & Risk

Net worth ratio
13.86%
43th percentile
Delinquency rate
0.26%
67th percentile
Net charge-off rate
0.40%
38th percentile
Loan-to-share
60.21%
50th percentile

Growth

Member growth YoY
-2.59%
37th percentile
Asset growth YoY
1.37%
52th percentile
Loan growth YoY
-10.39%
23th percentile
Share growth YoY
1.54%
56th percentile

Operations

Members / branch
1,281
57th percentile
Assets / member
$5,552
20th percentile
Field of membership penetration
21.35%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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