Memphis Municipal Employees

Memphis, TN · 1 · Charter #15433 · www.mmefcu.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
$14.4M
52th percentile
Members
3,174
87th percentile
Total loans
$5.5M
47th percentile
Total shares
$11.2M
51th percentile

Profitability

Return on assets
0.08%
19th percentile
Net interest margin
4.71%
76th percentile
Efficiency ratio
98.20%
7th percentile
Non-interest income ratio
30.39%
94th percentile

Capital & Risk

Net worth ratio
20.68%
76th percentile
Delinquency rate
2.54%
19th percentile
Net charge-off rate
1.08%
16th percentile
Loan-to-share
48.79%
33th percentile

Growth

Member growth YoY
3.29%
90th percentile
Asset growth YoY
-3.27%
23th percentile
Loan growth YoY
-1.93%
55th percentile
Share growth YoY
-3.30%
28th percentile

Operations

Members / branch
3,174
93th percentile
Assets / member
$4,524
14th percentile
Field of membership penetration
63.48%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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