Chattanooga, Tennessee · Peer group 2
Memorial Credit Union
Memorial Credit Union holds $6.9M in assets across 1,276 members as of Q1 2026 — about $5K of assets per member, on a charter dating to 1959. Charter number 63802, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $6.9M |
|---|---|
| Total loans | $3.4M |
| Total shares (deposits) | $5.9M |
| Net worth | $972K |
| Members | 1,276 |
| Assets per member | $5K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.2% | |
|---|---|---|
| Loans | -13.6% | around the 23rd percentile of its peer group |
| Deposits | -1.3% | around the 52nd percentile of its peer group |
| Members | -2.1% | around the 44th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 57.5% | around the 43rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.2% | around the 34th percentile of its peer group |
| Return on assets | -0.81% | around the 14th percentile of its peer group |
| Delinquency ratio | 0.25% | around the 32nd percentile of its peer group |
| Cash / assets | 12.4% | around the 40th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Memorial Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Tennessee — the comparison set a peer ratio is measured against.
- Pathway Credit Union
CLEVELAND, TN
$6.9M · 999 members
- Gallatin Steam Plant Credit Union
GALLATIN, TN
$7.8M · 635 members
- Delta Refining Co Emp Credit Union
Memphis, TN
$4.7M · 259 members
- Hurd Employees Credit Union
Greeneville, TN
$4.5M · 422 members
- Alcoa Municipal Employees Credit Union
ALCOA, TN
$4.4M · 866 members
- P.I.A.S. Credit Union
Brentwood, TN
$4.3M · 527 members
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