Midwest Regional Credit Union
Total assets
$72.7M
▼ -1.6% YoY
Shares & deposits
$64.4M
▼ -2.7% YoY
Loans
$30.6M
▼ -4.7% YoY
Members
7,404
▼ -1.2% YoY
ROA (annualized)
0.68%
peers 0.60%
ROE (annualized)
6.27%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -2.7% | +0.7% | -3.4 pts |
| Loan growth (YoY) | -4.7% | -2.4% | -2.3 pts |
| ROA | 0.68% | 0.60% | +0.1 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
Profile
- Established
- 1938
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- Po Box 12217, Kansas City, KS, 66112
- NCUA charter #
- 60037
- RSSD ID
- 422693
- 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 | $72.7M | $64.4M | $30.6M | $7.9M | $123K | 0.68% | 3.91% | 0.65% | 7,404 |
| Q4 2025 | $71.2M | $62.8M | $31.7M | $7.7M | $614K | 0.86% | 4.06% | 0.87% | 7,451 |
| Q3 2025 | $71.6M | $63.6M | $32.4M | $7.6M | $462K | 0.86% | 4.04% | 0.59% | 7,472 |
| Q2 2025 | $72.6M | $64.6M | $31.8M | $7.4M | $327K | 0.90% | 3.97% | 0.61% | 7,499 |
| Q1 2025 | $74.0M | $66.2M | $32.1M | $7.3M | $139K | 0.75% | 3.79% | 0.94% | 7,495 |
| Q4 2024 | $73.3M | $65.7M | $33.3M | $7.1M | $617K | 0.84% | 3.76% | 0.85% | 5,953 |
| Q3 2024 | $73.2M | $66.0M | $34.2M | $7.0M | $460K | 0.84% | 3.68% | 0.42% | 6,041 |
| Q2 2024 | $73.1M | $66.0M | $34.0M | $6.6M | $279K | 0.76% | 3.60% | 0.30% | 5,838 |
Loan mix (Q1 2026): real estate $8.5M · commercial $0 · consumer $21.3M · securities $21.3M
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 | 0.68% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.1% | 81.5% | 35th | |
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.
Similar credit unions
- Mid-Kansas Credit UnionMoundridge, KS · $83.7M
- Metro Federal Credit UnionArlington Heigh, IL · $78.7M
- Cove Federal Credit UnionEdgewood, KY · $78.8M
- Bay Cities Credit UnionHayward, CA · $78.8M
- Castparts Employees Federal Credit UnionPortland, OR · $78.9M
- Enbright Credit UnionNashville, TN · $78.9M
Selling to Midwest Regional Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.