Credit Union Safety Analysis
Is Memphis City Employees Credit Union Safe? Memphis, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Memphis City Employees Credit Union has a net worth ratio of 14.48%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.63%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Memphis City Employees Credit Union's net worth ratio is 14.48%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.48%
- Delinquency ratio (60+ days) (Q2 2026): 0.63%
- Return on assets (Q2 2026): 0.49%
- Loan-to-share ratio (Q2 2026): 63.05%
Memphis City Employees Credit Union (NCUA charter 60239, established 1969) reported $502.5M in assets and 44,232 members for Q2 2026 from Memphis, Tennessee. It ranks 16 of 123 credit unions in Tennessee by total assets. Total assets grew 4.9% from $479.0M on June 30, 2025. It has 486 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was down 0.15 percentage points from 14.63% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $135.4M of $265.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.63% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 14.40% for Q1 2026; 14.63% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.54% for Q1 2026; 0.53% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.60% for Q1 2026; 0.53% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 62.31% for Q1 2026; 66.12% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $135.4M
- Used vehicle loans: $61.1M
- Other unsecured loans and lines of credit: $26.0M
- New vehicle loans: $22.3M
- Unsecured credit card loans: $14.7M
- Other secured non-real estate loans and lines of credit: $5.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $502.5M | 14.48% | 0.63% | 0.49% | 63.05% |
| March 31, 2026 | $500.7M | 14.40% | 0.54% | 0.60% | 62.31% |
| December 31, 2025 | $496.6M | 14.37% | 0.61% | 0.40% | 64.31% |
| September 30, 2025 | $487.1M | 14.55% | 0.49% | 0.63% | 65.09% |
| June 30, 2025 | $479.0M | 14.63% | 0.53% | 0.53% | 66.12% |
| March 31, 2025 | $481.4M | 14.43% | 0.49% | 0.50% | 64.03% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Memphis City Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 60239) · FFIEC NIC profile (RSSD 317397)
Frequently asked questions
Is Memphis City Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Memphis City Employees Credit Union's net worth ratio is 14.48%, above the 7% NCUA threshold for well capitalized.
Is Memphis City Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Memphis City Employees Credit Union is a federally insured credit union (NCUA charter 60239): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Memphis City Employees Credit Union's key safety ratios?
For Q2 2026, Memphis City Employees Credit Union reports net worth 14.48%, delinquency 0.63%, ROA 0.49%, loan-to-share 63.05%.
What happens to my money if Memphis City Employees Credit Union fails?
For Q2 2026, Memphis City Employees Credit Union held $420.2M in shares and deposits for 44,232 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.