Federal credit union · Memphis, Tennessee · NCUA charter #15433
Memphis Municipal Employees
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $14.4M
- Total assets
- 3,174
- Members
- 19.8%
- Net-worth ratio
Memphis Municipal Employees scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.4M; members 3,174; net-worth ratio 19.75%; health rank #3,982 of 4,374; healthier than 8th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,982 of 4,374 health · 2025Q4Memphis Municipal Employees · health 62/100 · $14.4M · 2025Q4
- PHOTO 62/100
- BOOK 19.8%
- CHARTER 2.54%
- NCUSIF -0.78%
- CAMELS $14.4M
- HEALTH 3,174
- NW #3,982/4,374
- DELQ Vermilion Employees
- ROA 15433
Call Report peers
Memphis Municipal Employees in the assets neighbourhood
Memphis Municipal Employees's $14.4M assets sit next to Vermilion Employees ($14.4M) 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 Municipal 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
62 8th percentile higher than 8% 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 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.
Peer-gap read for Memphis Municipal Employees
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +4.89 pp (19.75% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.01 pp (48.79% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Memphis Municipal Employees: in-state Call Report ranks
- Health composite ranks #117 of 127 among scored Tennessee credit unions.
- By total assets, Memphis Municipal Employees is #99 of 127 in Tennessee.
- Member book place in Tennessee: #71 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 Municipal Employees: 2025Q4 → 2026Q1
Memphis Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $14.4M (2025Q4) to $14.8M (2026Q1).
- Net-worth ratio shifted -0.93 pp (20.68% → 19.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 19.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.1 pts
- Return on Assets 0.0 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 10.0 pts
Memphis Municipal Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.75% | +4.89 pp |
| Delinquency Rate | 2.54% | +1.39 pp |
| Return on Assets | -0.78% | -1.49 pp |
| Member Growth | 3.29% | - |
| Loan-to-Share Ratio | 48.79% | -11.01 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Memphis Municipal Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.8M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Memphis Municipal Employees, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Memphis Municipal EFCU (Main Office) | Memphis, TN |
| Underground Vaults & Storage | Hutchinson, KS |
| Kellogg Memphis Employees CU | Memphis, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$50M82Health
- KNOX CO. EMPLOYEESKNOXVILLE, TN · $10M–$50M91Health
- I B E W 175CHATTANOOGA, TN · $10M–$50M71Health
Compare Memphis Municipal Employees vs GREENEVILLE CITY EMPLOYEES'
Other-state peers near Memphis Municipal Employees
Cross-state asset and health neighbours for Memphis Municipal Employees - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- Memphis Municipal Employees ranks #3,982 of 4,374 nationally on financial health and #117 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greeneville City Employees' is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greeneville City Employees'
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,982 of 4,374; by total assets it ranks #3,347 of 4,374 nationally (same basis as /rankings/largest); and #99 of 127 within Tennessee. Above 80 reads excellent, below 50 warrants closer monitoring; a 19.75% 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 19.75% 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.
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.