MEMPHIS MUNICIPAL EMPLOYEES
Charter #15433 · Memphis, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,181 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 19.75% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.41% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.52% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.05% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 | MEMPHIS MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.78M | 20th pct | 15th pct |
| Members | 3,181 | 79th pct | 75th pct |
| Net worth ratio | 19.75% | 84th pct | 85th pct |
| Return on average assets | -1.41% | 5th pct | 3th pct |
| Net interest margin | 4.52% | 79th pct | 77th pct |
| Cost of funds | 0.05% | 4th pct | 8th pct |
| Loan-to-share | 43.60% | 26th pct | 38th pct |
| Delinquency 60+ days | 2.36% | 89th pct | 95th pct |
| Net charge-off ratio | 1.47% | 91th pct | 89th pct |
| Loan growth YoY | -5.11% | 29th pct | 43th pct |
| Share growth YoY | 1.79% | 42th pct | 43th pct |
| Efficiency ratio | 107.22% | 92th pct | 90th pct |
structural peer set hash: 1f34f40a9696c539e95c4cd3444b8e1d… (reproducible)
Closest structural peers
This is the free public view
Claim MEMPHIS MUNICIPAL EMPLOYEES
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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.