Federal credit union · Memphis, Tennessee · NCUA charter #15433
Memphis Municipal Employees
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $14.4M
- Total assets
- 3,174
- Members
- 20.7%
- Net-worth ratio
Memphis Municipal Employees - Share Insurance Coverage
Charter #15433's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Memphis Municipal Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)37
- Earnings (ROA)0
- Member growth86
- Liquidity (loan-to-share)69
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 20.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.68% | 30% |
| Delinquency Rate | 2.54% | 25% |
| Return on Assets | -0.78% | 15% |
| Member Growth | 3.29% | 15% |
| Loan-to-Share Ratio | 48.79% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $14.4M | 3,174 |
| 2024Q4 | $14.8M | 3,073 |
| 2023Q4 | $15.5M | 3,081 |
Credit Union Details
- Charter Number
- 15433
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- Memphis
- Data Quarter
- 2025Q4
What This Data Says About Memphis Municipal Employees
Memphis Municipal Employees is a federal credit union headquartered in Memphis, Tennessee, serving 3,174 members with $14.4M in total assets and $5.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 62/100 (Good), anchored by a net worth ratio of 20.68% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #15433 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 2.54% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 48.79% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.78% on net income of $-112544 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.29%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
- GREENEVILLE CITY EMPLOYEES'Greeneville, TN · $10M–$50M91Health
- DIXIE LINENASHVILLE, TN · $10M–$50M76Health
- GATEWAYCLARKSVILLE, TN · $10M–$50M59Health
- KNOX CO. EMPLOYEESKNOXVILLE, TN · $10M–$50M91Health
- I B E W 175CHATTANOOGA, TN · $10M–$50M71Health
Compare Memphis Municipal Employees vs GREENEVILLE CITY EMPLOYEES'
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Memphis Municipal Employees financially healthy?
Yes/no aside, the number is 62/100 (Good) - Memphis Municipal Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.68% net worth ratio and 2.54% delinquency rate are the key drivers.
How does Memphis Municipal Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Memphis Municipal Employees's 62/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 Municipal Employees?
Memphis Municipal Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Memphis Municipal Employees directly for the current list of qualifying groups.
Is my money safe at Memphis Municipal Employees?
Federal credit unions like Memphis Municipal 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 Municipal Employees's net worth ratio of 20.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Memphis Municipal Employees offer compared to banks?
Credit unions like Memphis Municipal 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 Municipal Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.