TellerScore

Headquartered in Memphis, Tennessee, Memphis City Employees Credit Union is a federally insured state-chartered credit union with $502.5M in total assets and $420.2M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1959.

Based on its Q2 2026 filing, Memphis City Employees Credit Union scores 81/100, which we describe as strong. That is higher than 80% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 42nd. Its strongest component is funding & liquidity (97/100; 63% loans-to-deposits, 3% uninsured), and its lowest is earnings (42/100; 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion95/100
Net worth ratio: 14.48%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.63%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity97/100
Loans ÷ shares: 63.1% · 2.9% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 81).

TellerScore
808283Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202481
Q4 202483
Q1 202581
Q2 202581
Q3 202582
Q4 202580
Q1 202682
Q2 202681
Net worth ratio
7.00%11.06%15.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.00%
Q3 202414.91%
Q4 202415.12%
Q1 202514.43%
Q2 202514.63%
Q3 202514.55%
Q4 202514.37%
Q1 202614.40%
Q2 202614.48%
Delinquent loans (60+ days)
0.33%0.48%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.38%
Q3 20240.54%
Q4 20240.33%
Q1 20250.49%
Q2 20250.53%
Q3 20250.49%
Q4 20250.61%
Q1 20260.54%
Q2 20260.63%
Return on assets
0.40%0.50%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.42%
Q4 20240.40%
Q1 20250.50%
Q2 20250.52%
Q3 20250.55%
Q4 20250.51%
Q1 20260.60%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$502.5M14.48%0.63%0.55%63.1%
Q1 202682$500.7M14.40%0.54%0.60%62.3%
Q4 202580$496.6M14.37%0.61%0.51%64.3%
Q3 202582$487.1M14.55%0.49%0.55%65.1%
Q2 202581$479.0M14.63%0.53%0.52%66.1%
Q1 202581$481.4M14.43%0.49%0.50%64.0%
Q4 202483$455.4M15.12%0.33%0.40%68.9%
Q3 202481$459.5M14.91%0.54%0.42%67.6%
Q2 202483$453.7M15.00%0.38%0.44%68.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.48%
82nd
Problem loans0.63%
54th
Net charge-offs0.55%
31st
Return on assets0.55%
34th
Loans to deposits63.1%
73rd
Uninsured deposits2.9%
83rd
Loan-loss reserves0.00%
50th
Texas ratio2.3%
72nd

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Southeast Financial Credit UnionCredit union Franklin, TN52 out of 100, Below average$466.8M8.0%0.85%vs
U. T. Federal Credit UnionCredit union Knoxville, TN65 out of 100, Moderate$553.9M9.7%0.19%vs
Comtrust Federal Credit UnionCredit union Chattanooga, TN74 out of 100, Strong$429.7M11.4%0.41%vs
Alcoa Tenn Federal Credit UnionCredit union Alcoa, TN84 out of 100, Strong$426.9M13.9%1.05%vs
Ten Credit UnionCredit union Nashville, TN62 out of 100, Moderate$392.0M8.6%0.21%vs
Fedex Employees Credit Association Federal Credit UnionCredit union Memphis, TN77 out of 100, Strong$641.1M14.2%1.04%vs

Deposit insurance

Is my money safe at Memphis City Employees Credit Union?

Yes. Memphis City Employees Credit Union is a federally insured credit union (NCUA charter #60239). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.9% of shares and deposits ($12.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.48%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Memphis City Employees Credit Union lists 6 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Memphis City Employees Credit Union reported 170 home-loan applications under HMDA (LEI 549300DU662K57XBSH20): 118 originated ($19,170,000 total), 32 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Memphis City Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60239
RSSD ID
317397
Primary regulator
State + NCUA
Established
1959
Headquarters
2686 Mount Moriah Ter, Memphis, TN 38115
Employees
102

Quick answers

Memphis City Employees Credit Union: common questions

Is Memphis City Employees Credit Union NCUA insured?

Yes. Memphis City Employees Credit Union is a federally insured credit union (NCUA charter #60239). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Memphis City Employees Credit Union's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Memphis City Employees Credit Union have?

6 offices as of the latest NCUA data.