Midwest Community Federal Credit Union
Total assets
$258.7M
▲ +2.6% YoY
Shares & deposits
$238.4M
▲ +1.4% YoY
Loans
$180.6M
▲ +2.5% YoY
Members
14,327
▲ +2.9% YoY
ROA (annualized)
1.04%
peers 0.69%
ROE (annualized)
12.81%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.9% | -1.3 pts |
| Share growth (YoY) | +1.4% | +3.3% | -1.9 pts |
| Loan growth (YoY) | +2.5% | +2.9% | -0.4 pts |
| ROA | 1.04% | 0.69% | +0.4 pts |
| ROE | 12.8% | 5.9% | +6.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 8770 N State Route 66, Defiance, OH, 43512
- NCUA charter #
- 9522
- RSSD ID
- 977380
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $258.7M | $238.4M | $180.6M | $21.1M | $676K | 1.04% | 3.85% | 0.60% | 14,327 |
| Q4 2025 | $253.5M | $234.1M | $177.5M | $20.4M | $1.9M | 0.74% | 3.72% | 0.51% | 14,189 |
| Q3 2025 | $248.0M | $229.1M | $178.0M | $19.9M | $1.3M | 0.72% | 3.71% | 0.80% | 14,145 |
| Q2 2025 | $249.5M | $231.8M | $178.3M | $19.2M | $656K | 0.53% | 3.57% | 0.60% | 14,080 |
| Q1 2025 | $252.2M | $235.1M | $176.1M | $18.7M | $171K | 0.27% | 3.39% | 0.38% | 13,927 |
| Q4 2024 | $244.2M | $227.9M | $172.8M | $18.6M | $364K | 0.15% | 3.25% | 0.37% | 13,878 |
| Q3 2024 | $242.2M | $225.2M | $174.2M | $18.6M | $424K | 0.23% | 3.23% | 0.37% | 13,813 |
| Q2 2024 | $237.1M | $221.2M | $171.3M | $18.5M | $306K | 0.26% | 3.25% | 0.29% | 13,802 |
Loan mix (Q1 2026): real estate $62.9M · commercial $43.5M · consumer $64.6M · securities $47.8M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.69% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.62% | 66th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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