BlastPoint's Credit Union Scorecard
MEMPHIS MUNICIPAL EMPLOYEES
Charter #15433 · TN
MEMPHIS MUNICIPAL EMPLOYEES has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.45% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.53% below tier average
- - Efficiency ratio 16.59% above tier (higher cost structure)
- - Delinquency rate 0.86% above tier average
- - Net Charge-Off Rate: Bottom 9.1% in tier
- - Average Member Relationship (AMR): Bottom 9.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,181
+1.6% YoY+0.2% QoQ
|
+504 |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$14.8M
-2.0% YoY+2.9% QoQ
|
$-15.4M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
40% |
| Loans |
$5.1M
-4.7% YoY-6.9% QoQ
|
$-10.2M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$11.7M
-1.1% YoY+4.2% QoQ
|
$-14.1M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
-1.4%
+22.1% YoY+103.2% QoQ
|
-1.5% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.7% in tier |
| NIM |
4.5%
+4.2% YoY-4.5% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
75% |
| Efficiency Ratio |
107.2%
+5.8% YoY+8.5% QoQ
|
+16.6% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.2% in tier |
| Delinquency Rate |
2.4%
-34.1% YoY-6.8% QoQ
|
+0.9 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
85% |
| Loan To Share |
43.6%
-3.6% YoY-10.6% QoQ
|
-14.9% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$5,291
-3.8% YoY+0.3% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.8% in tier |
| CD Concentration |
4.2%
-10.4% YoY-5.0% QoQ
|
-20.1% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)