| Metric | Midland Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +3.9% | -4.1 pts |
| Share growth (YoY) | -1.9% | +3.3% | -5.2 pts |
| Loan growth (YoY) | +7.2% | +2.9% | +4.3 pts |
| ROA | 1.01% | 0.69% | +0.3 pts |
| ROE | 8.7% | 5.9% | +2.7 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $100.5M | $84.1M | $66.2M | $11.7M | $253K | 1.01% | 4.53% | 0.47% | 6,556 |
| Q4 2025 | $97.4M | $81.4M | $64.9M | $11.4M | $905K | 0.93% | 4.68% | 0.60% | 6,588 |
| Q3 2025 | $99.7M | $83.8M | $62.6M | $11.2M | $678K | 0.91% | 4.53% | 0.82% | 6,668 |
| Q2 2025 | $99.9M | $84.3M | $61.9M | $10.9M | $321K | 0.64% | 4.21% | 0.57% | 6,735 |
| Q1 2025 | $100.7M | $85.7M | $61.7M | $10.6M | $73K | 0.29% | 4.07% | 1.33% | 6,763 |
| Q4 2024 | $96.6M | $81.9M | $61.8M | $10.5M | $544K | 0.56% | 3.94% | 0.63% | 6,798 |
| Q3 2024 | $95.1M | $80.6M | $62.1M | $10.4M | $391K | 0.55% | 3.87% | 0.40% | 6,802 |
| Q2 2024 | $96.5M | $82.8M | $57.8M | $10.2M | $211K | 0.44% | 3.60% | 1.04% |
| Ratio | Midland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.69% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 5.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 6,791 |
Loan mix (Q1 2026): real estate $27.8M · commercial $4.6M · consumer $32.4M · securities $21.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 78.7% | 43th |
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 | Midland 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 | Midland 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 | Midland 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 | Midland 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.