MEMORIAL
Charter #14824 · GULFPORT, MS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,118 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 37.91% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.65% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.09% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 49th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MEMORIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.94M | 70th pct | 49th pct |
| Members | 1,118 | 87th pct | 77th pct |
| Net worth ratio | 37.91% | 93th pct | 80th pct |
| Return on average assets | 0.17% | 40th pct | 28th pct |
| Net interest margin | 4.65% | 69th pct | 75th pct |
| Cost of funds | 0.09% | 20th pct | 7th pct |
| Loan-to-share | 55.09% | 46th pct | 41th pct |
| Delinquency 60+ days | 0.43% | 40th pct | 33th pct |
| Net charge-off ratio | 0.85% | 85th pct | 70th pct |
| Loan growth YoY | -5.10% | 51th pct | 57th pct |
| Share growth YoY | -6.51% | 13th pct | 7th pct |
| Efficiency ratio | 86.29% | 51th pct | 57th pct |
structural peer set hash: 3f6b0c24c8fc3efd127651e30a3201ac… (reproducible)
Closest structural peers
This is the free public view
Claim MEMORIAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.