State credit union · MEMPHIS, Tennessee · NCUA charter #60239
Memphis City Employees
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $496.6M
- Total assets
- 44,002
- Members
- 14.4%
- Net-worth ratio
Memphis City Employees scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $496.6M; members 44,002; net-worth ratio 14.40%; health rank #1,608 of 4,374; healthier than 60th of scored peers.
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NCUA 5300 Call Report Masthead
#1,608 of 4,374 health · 2025Q4Memphis City Employees · health 87/100 · $496.6M · 2025Q4
Call Report peers
Memphis City Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Memphis City Employees vs every NCUA-scored credit union
Memphis City Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Memphis City Employees: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +2.29 pp (14.40% vs 12.11%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.89 pp (64.31% vs 72.20%).
Where Memphis City Employees sits in Tennessee
- In Tennessee, health place is #54 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #16 of 127 inside Tennessee ($496.6M reported).
- Tennessee membership ordinal: #14 of 127.
- One place up in Tennessee, Kingsport Press Cu (#53) ties at 87/100; one place down, Select Seven (#55) ties at 87/100.
Memphis City Employees Call Report trajectory
Memphis City Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $496.6M (2025Q4) to $500.7M (2026Q1).
- Net-worth ratio shifted +0.03 pp (14.37% → 14.40%).
At 14.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Memphis City Employees gives up 13 points in total. Member Growth costs the most, 8.7 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.9 pts
- Return on Assets 12.9 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 13.9 pts
Memphis City Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.40% | +2.29 pp |
| Delinquency Rate | 0.61% | -0.28 pp |
| Return on Assets | 0.36% | -0.26 pp |
| Member Growth | -1.50% | - |
| Loan-to-Share Ratio | 64.31% | -7.89 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $500.7M | - |
| 2025Q4 | $496.6M | 44,002 |
| 2024Q4 | $455.4M | 44,674 |
| 2023Q4 | $443.3M | 42,881 |
Credit Union Details
- Charter Number
- 60239
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- MEMPHIS
- Data Quarter
- 2025Q4
Branch Locations (7)
Memphis City Employees operates 7 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Mt. Moriah Admin (Main Office) | Memphis, TN |
| Stage | Bartlett, TN |
| Avery | Memphis, TN |
| Mt. Moriah | Memphis, TN |
| Whitten | Memphis, TN |
| Whitehaven | Memphis, TN |
| Winchester | Memphis, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Memphis City Employees nationwide neighbourhoods
Using this data
- Memphis City Employees ranks #1,608 of 4,374 nationally on financial health and #54 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southeast Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southeast Financial
Frequently Asked Questions
Is Memphis City Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Memphis City Employees scores 87/100 (Excellent), with a 14.40% net worth ratio and 0.61% of loans delinquent. It ranks #1,608 of 4,374 nationally on health and #54 of 127 in Tennessee.
How does Memphis City Employees compare to other credit unions?
Memphis City Employees scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.40% vs 12.11%). Its widest shortfall is loan-to-share ratio (64.31% vs 72.20%).
How can I join Memphis City Employees?
Membership eligibility for Memphis City Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Memphis City Employees directly for current membership requirements and application steps.
Is my money safe at Memphis City Employees?
Memphis City Employees is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Memphis City Employees's net worth ratio of 14.40% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.