Memphis City Employees

MEMPHIS, TN · 2 · Charter #60239 · www.memphiscu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$496.6M
58th percentile
Members
44,002
80th percentile
Total loans
$267.4M
43th percentile
Total shares
$415.8M
56th percentile

Profitability

Return on assets
1.13%
60th percentile
Net interest margin
3.28%
38th percentile
Efficiency ratio
67.66%
18th percentile
Non-interest income ratio
35.09%
98th percentile

Capital & Risk

Net worth ratio
14.37%
88th percentile
Delinquency rate
0.61%
60th percentile
Net charge-off rate
0.74%
22th percentile
Loan-to-share
64.31%
19th percentile

Growth

Member growth YoY
-1.50%
28th percentile
Asset growth YoY
9.05%
81th percentile
Loan growth YoY
0.86%
32th percentile
Share growth YoY
8.03%
79th percentile

Operations

Members / branch
7,334
85th percentile
Assets / member
$11,286
8th percentile
Field of membership penetration
67.70%
98th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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