BlastPoint's Credit Union Scorecard
MEMPHIS CITY EMPLOYEES
Charter #60239 · TN
MEMPHIS CITY EMPLOYEES has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 38.1% in tier
- - Stagnation Risk: Bottom 65.1% in tier
- - Membership Headwinds: Bottom 65.1% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 0.58% above tier (higher cost structure)
- - Total Assets: Bottom 1.2% in tier
- - Total Deposits: Bottom 2.4% in tier
- - Average Member Relationship (AMR): Bottom 2.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 5 that size in Tennessee.
- Shares and deposits +4.5% year over year ($420M in shares and deposits).
- Membership: 44,232 members, -1.1% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 0.55%.
- Efficiency ratio 77.14% vs a 76.56% peer average.
- Loan-to-share ratio 63.05% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,232
-1.1% YoY+0.5% QoQ
|
+6.3K |
37,897
-5.0% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$502.5M
+4.9% YoY+0.4% QoQ
|
$-119.9M |
$622.4M
+0.6% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.6% in tier |
| Loans |
$265.0M
-0.4% YoY+0.9% QoQ
|
$-163.5M |
$428.5M
-0.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.7% in tier |
| Deposits |
$420.2M
+4.5% YoY-0.3% QoQ
|
$-119.5M |
$539.8M
+0.9% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.8% in tier |
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| ROA |
0.5%
+6.5% YoY-9.3% QoQ
|
-0.3% |
0.8%
+39.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
35% |
| NIM |
3.6%
+10.1% YoY+1.3% QoQ
|
+0.0% |
3.5%
+5.0% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
77.1%
-3.6% YoY+4.0% QoQ
|
+0.6% |
76.6%
-3.6% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
0.6%
+18.3% YoY+16.7% QoQ
|
-0.2 |
0.8%
+3.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
63.1%
-4.6% YoY+1.2% QoQ
|
-16.3% |
79.3%
-1.4% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.1% in tier |
| AMR |
$15,491
+3.7% YoY-0.3% QoQ
|
$-12K |
$27,294
+4.1% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.8% in tier |
| CD Concentration |
17.8%
+10.1% YoY+5.5% QoQ
|
-6.8% | 24.6% | 22.4% | 20.0% | 26% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)