MEMORIAL

Charter #14824 | MS

<100M (2596 CUs) Micro
41 <100M in MS

MEMORIAL has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 1.12% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 3.5% in tier
  • + AMR Growth Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.01% below tier average
  • - Efficiency ratio 7.24% above tier (higher cost structure)
  • - Member decline: -8.6% YoY
  • - Member Growth Rate: Bottom 7.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 1,157
-8.6% YoY-1.2% QoQ
 -1.5K 2,625
-2.2% YoY
 14,577
+18.5% YoY
 33,089
+6.1% YoY
 32nd in tier
Assets $6.2M
-0.6% YoY+4.5% QoQ
 $-23.7M $29.9M
+1.1% YoY
 $171.7M
+26.4% YoY
 $547.7M
+7.8% YoY
 Bottom 23.3% in tier
Loans $2.1M
+4.5% YoY+0.6% QoQ
 $-13.6M $15.8M
-2.4% YoY
 $115.7M
+25.1% YoY
 $388.7M
+8.6% YoY
 Bottom 18.5% in tier
Deposits $3.9M
-1.4% YoY+6.6% QoQ
 $-21.5M $25.5M
+0.4% YoY
 $135.7M
+26.5% YoY
 $464.6M
+9.3% YoY
 Bottom 19.0% in tier
ROA 0.7%
+1.2% YoY+100.1% QoQ
 -0.0% 0.7%
-731.4% YoY
 0.9%
+335.0% YoY
 0.7%
+273.4% YoY
 45th in tier
NIM 5.1%
+21.2% YoY+0.3% QoQ
 +1.1% 3.9%
+3.8% YoY
 4.4%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 13.1% in tier
Efficiency Ratio 88.6%
+3.3% YoY-5.5% QoQ
 +7.2% 81.4%
-2.4% YoY
 78.7%
-9.5% YoY
 79.1%
-3.3% YoY
 74th in tier
Delinquency Rate 0.3%
-75.5% YoY+85.2% QoQ
 -1.2 1.5%
-2.0% YoY
 1.7%
-11.9% YoY
 1.2%
-0.9% YoY
 31st in tier
Loan To Share 54.3%
+6.0% YoY-5.7% QoQ
 -7.0% 61.2%
-3.0% YoY
 68.6%
-0.4% YoY
 68.0%
-1.7% YoY
 39th in tier
AMR $5,247
+10.1% YoY+5.7% QoQ
 $-9K $14,627
-2.7% YoY
 $12,163
+4.6% YoY
 $19,418
+1.3% YoY
 Bottom 10.0% in tier
CD Concentration 2.3%
+14.2% YoY-6.0% QoQ
 -22.1% 24.4%
+4.2% YoY
 19.3%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.5%
+12.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2596 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
92
Net Worth Ratio
risk
Value: 36.19%
Peer Avg: 16.43%
#92 of 2596 Top 3.5% in <100M tier
245
AMR Growth Rate
growth
Value: 10.07%
Peer Avg: 4.67%
#245 of 2596 Top 9.4% in <100M tier
340
Net Interest Margin (NIM)
profitability
Value: 5.06%
Peer Avg: 3.93%
#340 of 2596 Top 13.1% in <100M tier
567
Loan Growth Rate
growth
Value: 4.54%
Peer Avg: 59.01%
#567 of 2596 Top 21.8% in <100M tier

Top Weaknesses (8 metrics)

2403
Member Growth Rate
growth
Value: -8.61%
Peer Avg: 14.92%
#2403 of 2596 Bottom 7.5% in <100M tier
2336
Average Member Relationship (AMR)
engagement
Value: $5,247
Peer Avg: $14,627
#2336 of 2596 Bottom 10.1% in <100M tier
2301
Loan-to-Member Ratio (LMR)
engagement
Value: $1,846
Peer Avg: $5,488
#2301 of 2596 Bottom 11.4% in <100M tier
2117
Total Loans
balance_sheet
Value: $2.14M
Peer Avg: $15.77M
#2117 of 2596 Bottom 18.5% in <100M tier
2102
Total Deposits
balance_sheet
Value: $3.94M
Peer Avg: $25.45M
#2102 of 2596 Bottom 19.1% in <100M tier
2038
Members Per Employee (MPE)
engagement
Value: 231.400
Peer Avg: 365.701
#2038 of 2596 Bottom 21.5% in <100M tier
1998
Net Charge-Off Rate
risk
Value: 0.67%
Peer Avg: 0.57%
#1998 of 2596 Bottom 23.1% in <100M tier
1991
Total Assets
balance_sheet
Value: $6.17M
Peer Avg: $29.86M
#1991 of 2596 Bottom 23.3% in <100M tier