MEMPHIS CITY EMPLOYEES
Charter #60239 · MEMPHIS, TN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.40% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.15% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 0th percentile but its structural peers at the 36th — a 36-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 | MEMPHIS CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $500.70M | 0th pct | 36th pct |
| Members | 44,001 | 57th pct | 59th pct |
| Net worth ratio | 14.40% | 90th pct | 84th pct |
| Return on average assets | 0.61% | 47th pct | 34th pct |
| Net interest margin | 3.53% | 51th pct | 48th pct |
| Cost of funds | 0.15% | 7th pct | 8th pct |
| Loan-to-share | 62.31% | 12th pct | 34th pct |
| Delinquency 60+ days | 0.54% | 44th pct | 43th pct |
| Net charge-off ratio | 0.46% | 53th pct | 54th pct |
| Loan growth YoY | -1.12% | 25th pct | 30th pct |
| Share growth YoY | 3.29% | 40th pct | 36th pct |
| Efficiency ratio | 74.16% | 30th pct | 34th pct |
structural peer set hash: b453f7000e62d2a7346e489df39f8433… (reproducible)
Closest structural peers
This is the free public view
Claim MEMPHIS CITY 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.