Midwest Liberty Federal Credit Union
Total assets
$25.5M
▲ +2.9% YoY
Shares & deposits
$22.5M
▲ +2.2% YoY
Loans
$16.7M
▼ -5.2% YoY
Members
2,533
▼ -0.1% YoY
ROA (annualized)
0.58%
peers 0.60%
ROE (annualized)
5.51%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.5 pts |
| Loan growth (YoY) | -5.2% | -2.4% | -2.9 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 5.5% | 4.1% | +1.4 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
Profile
- Established
- 1949
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- Po Box 385, Mccook, NE, 69001
- NCUA charter #
- 6466
- RSSD ID
- 918589
- 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 | $25.5M | $22.5M | $16.7M | $2.7M | $37K | 0.58% | 5.20% | 1.22% | 2,533 |
| Q4 2025 | $25.1M | $22.2M | $16.9M | $2.7M | $8K | 0.03% | 4.86% | 1.56% | 2,577 |
| Q3 2025 | $23.6M | $20.7M | $16.8M | $2.6M | $-33K | -0.19% | 5.13% | 1.66% | 2,581 |
| Q2 2025 | $24.5M | $21.1M | $17.3M | $2.7M | $34K | 0.28% | 4.94% | 1.43% | 2,586 |
| Q1 2025 | $24.8M | $22.0M | $17.7M | $2.7M | $16K | 0.26% | 4.80% | 1.19% | 2,536 |
| Q4 2024 | $24.4M | $21.6M | $17.5M | $2.6M | $-59K | -0.24% | 4.90% | 0.77% | 2,529 |
| Q3 2024 | $23.7M | $21.1M | $17.9M | $2.6M | $-77K | -0.43% | 4.99% | 0.57% | 2,529 |
| Q2 2024 | $24.2M | $21.5M | $17.7M | $2.7M | $-54K | -0.44% | 4.88% | 0.84% | 2,549 |
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $13.8M · securities $5.0M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.83% | 91th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 81.5% | 42th | |
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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