FEDEX EMPLOYEES CREDIT ASSOCIATION
Charter #21751 · Memphis, TN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 96,185 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 13.88% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.08% sits at the 2nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.20% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.51% sits at the 95th percentile of structural peers — worth a closer look.
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 | FEDEX EMPLOYEES CREDIT ASSOCIATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $641.45M | 34th pct | 52th pct |
| Members | 96,185 | 100th pct | 92th pct |
| Net worth ratio | 13.88% | 87th pct | 80th pct |
| Return on average assets | 0.08% | 8th pct | 2th pct |
| Net interest margin | 3.45% | 45th pct | 48th pct |
| Cost of funds | 1.02% | 23th pct | 39th pct |
| Loan-to-share | 54.98% | 7th pct | 13th pct |
| Delinquency 60+ days | 1.20% | 86th pct | 93th pct |
| Net charge-off ratio | 1.51% | 95th pct | 95th pct |
| Loan growth YoY | 0.30% | 45th pct | 51th pct |
| Share growth YoY | 3.56% | 43th pct | 43th pct |
| Efficiency ratio | 76.75% | 43th pct | 61th pct |
structural peer set hash: 2e36c3fb94e3acbab958a9b0d59ff31c… (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.