BULAB EMPLOYEES
Charter #20874 · Memphis, TN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 297 sits at the 2nd percentile of structural peers — worth a closer look.
- Net worth ratio of 33.08% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 101.90% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 48th — a 24-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 | BULAB EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.33M | 33th pct | 16th pct |
| Members | 297 | 25th pct | 2th pct |
| Net worth ratio | 33.08% | 89th pct | 89th pct |
| Return on average assets | 0.16% | 39th pct | 38th pct |
| Net interest margin | 4.64% | 69th pct | 57th pct |
| Cost of funds | 1.26% | 73th pct | 70th pct |
| Loan-to-share | 76.31% | 72th pct | 48th pct |
| Delinquency 60+ days | 0.08% | 30th pct | 36th pct |
| Net charge-off ratio | 0.00% | 22th pct | 15th pct |
| Loan growth YoY | -14.88% | 13th pct | 5th pct |
| Share growth YoY | -5.28% | 16th pct | 13th pct |
| Efficiency ratio | 101.90% | 75th pct | 82th pct |
structural peer set hash: a4a4fad4b432eddaa8c0f3e274abcda6… (reproducible)
Closest structural peers
This is the free public view
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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.