BlastPoint's Credit Union Scorecard
MEMPHIS MUNICIPAL EMPLOYEES
Charter #15433 · TN
MEMPHIS MUNICIPAL EMPLOYEES has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.71% above tier average
- + Member Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.30% below tier average
- - Efficiency ratio 16.25% above tier (higher cost structure)
- - Delinquency rate 0.98% above tier average
- - Average Member Relationship (AMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,174
+3.3% YoY-0.7% QoQ
|
+558 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$14.4M
-3.3% YoY-1.9% QoQ
|
$-15.8M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$5.5M
-1.9% YoY+1.9% QoQ
|
$-10.3M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$11.2M
-3.3% YoY-2.3% QoQ
|
$-14.4M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
39% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.7%
-8.4% YoY-19.8% QoQ
|
-1.3% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.4% in tier |
| NIM |
4.7%
+4.7% YoY+4.0% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
98.8%
+5.8% YoY+0.1% QoQ
|
+16.3% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.5% in tier |
| Delinquency Rate |
2.5%
+53.5% YoY+0.4% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
48.8%
+1.4% YoY+4.3% QoQ
|
-11.8% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$5,273
-5.9% YoY-0.3% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.9% in tier |
| CD Concentration |
4.4%
-9.2% YoY-1.0% QoQ
|
-20.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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)