| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -3.4% | +0.9% | -4.3 pts |
| Loan growth (YoY) | +4.8% | -2.6% | +7.5 pts |
| ROA | 0.01% | 0.65% | -0.6 pts |
| ROE | 0.2% | 4.4% | -4.2 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.0M | $14.6M | $5.2M | $1.1M | $1K | 0.01% | 4.47% | 0.69% | 2,270 |
| Q1 2026 | $16.3M | $14.9M | $4.4M | $1.1M | $591 | 0.01% | 4.48% | 1.27% | 2,350 |
| Q4 2025 | $15.7M | $14.4M | $4.7M | $1.1M | $-132K | -0.84% | 4.62% | 2.87% | 2,561 |
| Q3 2025 | $15.8M | $14.5M | $4.9M | $1.2M | $-74K | -0.62% | 4.62% | 2.98% | 2,630 |
| Q2 2025 | $16.5M | $15.2M | $5.0M | $1.3M | $-16K | -0.20% | 4.46% | 3.10% | 2,698 |
| Q1 2025 | $17.0M | $15.6M | $5.4M | $1.3M | $845 | 0.02% | 4.45% | 2.74% | 2,762 |
| Q4 2024 | $17.6M | $16.0M | $5.8M | $1.3M | $-302K | -1.72% | 4.40% | 3.19% | 2,871 |
| Q3 2024 | $18.0M | $16.5M | $6.2M | $1.4M | $-222K | -1.65% | 4.29% | 1.77% |
| Ratio | Mid-Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.65% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,184 |
| Q2 2024 | $18.8M | $17.1M | $6.6M | $1.4M | $-140K | -1.49% | 4.46% | 8.71% | 3,212 |
Loan mix (Q2 2026): real estate $3.3M · commercial $0 · consumer $1.9M · securities $9.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.7% | 80.6% | 87th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Mid-Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Mid-Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Mid-Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Mid-Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Mid-Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (-1 vs 2025). Biggest market: Los Angeles, CA, ranked 180th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $14.6M* | 0.00% | 180th |
California: 408th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 206th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 1