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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,608 of 4,374 health · 2025Q4Memphis City Employees · health 87/100 · $496.6M · 2025Q4
- CAMELS 87/100
- HEALTH 14.4%
- NW 0.61%
- DELQ 0.36%
- ROA $496.6M
- ASSETS 44,002
- MEM #1,608/4,374
- RANK People Driven
- PHOTO 60239
Call Report peers
Memphis City Employees in the assets neighbourhood
Memphis City Employees's $496.6M assets sit next to People Driven ($497.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Memphis City Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60239. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Memphis City Employees Call Report trajectory
Memphis City Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $496.6M (2025Q4) to $500.7M (2026Q1).
- Net-worth ratio shifted +0.03 pp (14.37% → 14.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Memphis City Employees's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($496.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Memphis City Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Memphis City Employees carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,608 of 4,374; by total assets it ranks #751 of 4,374 nationally (same basis as /rankings/largest); and #16 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.40% net worth ratio and a 0.61% delinquency rate.
How does Memphis City Employees compare to other credit unions?
87/100 is Memphis City Employees's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Memphis City Employees are 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."
What rates does Memphis City Employees offer compared to banks?
Credit unions like Memphis City Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Memphis City Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.