MEMORIAL
Charter #63802 · Chattanooga, TN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.80% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 4.84% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.04% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 113.62% sits at the 87th 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 | MEMORIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.86M | 78th pct | 10th pct |
| Members | 1,276 | 90th pct | 39th pct |
| Net worth ratio | 14.18% | 33th pct | 46th pct |
| Return on average assets | -0.80% | 18th pct | 15th pct |
| Net interest margin | 4.84% | 74th pct | 84th pct |
| Cost of funds | 0.04% | 15th pct | 3th pct |
| Loan-to-share | 57.53% | 49th pct | 52th pct |
| Delinquency 60+ days | 0.25% | 35th pct | 28th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -11.21% | 23th pct | 7th pct |
| Share growth YoY | -1.13% | 39th pct | 30th pct |
| Efficiency ratio | 113.62% | 84th pct | 87th pct |
structural peer set hash: 41595476cabe69ba61fde8d8fb78e60c… (reproducible)
Closest structural peers
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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.