Mil-Way Federal Credit Union
Total assets
$190.0M
▲ +5.6% YoY
Shares & deposits
$169.4M
▲ +5.6% YoY
Loans
$90.4M
▲ +0.8% YoY
Members
12,811
▼ -0.0% YoY
ROA (annualized)
0.63%
peers 0.69%
ROE (annualized)
6.19%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.9% | +1.7 pts |
| Share growth (YoY) | +5.6% | +3.3% | +2.3 pts |
| Loan growth (YoY) | +0.8% | +2.9% | -2.1 pts |
| ROA | 0.63% | 0.69% | -0.1 pts |
| ROE | 6.2% | 5.9% | +0.2 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 2000 Arkansas Blvd, Texarkana, AR, 71854
- NCUA charter #
- 24197
- RSSD ID
- 226891
- 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 | $190.0M | $169.4M | $90.4M | $19.2M | $298K | 0.63% | 2.86% | 0.04% | 12,811 |
| Q4 2025 | $187.9M | $167.5M | $90.4M | $18.9M | $951K | 0.51% | 2.74% | 0.08% | 12,833 |
| Q3 2025 | $185.5M | $165.5M | $90.3M | $18.6M | $625K | 0.45% | 2.73% | 0.01% | 12,846 |
| Q2 2025 | $183.8M | $164.1M | $88.8M | $18.4M | $396K | 0.43% | 2.69% | 0.11% | 12,815 |
| Q1 2025 | $179.8M | $160.4M | $89.7M | $18.2M | $161K | 0.36% | 2.66% | 0.19% | 12,817 |
| Q4 2024 | $172.4M | $153.2M | $90.8M | $18.0M | $768K | 0.45% | 2.69% | 0.17% | 12,759 |
| Q3 2024 | $169.1M | $150.1M | $90.8M | $17.8M | $588K | 0.46% | 2.73% | 0.07% | 12,744 |
| Q2 2024 | $171.2M | $151.7M | $90.8M | $17.6M | $353K | 0.41% | 2.64% | 0.43% | 12,707 |
Loan mix (Q1 2026): real estate $20.0M · commercial $0 · consumer $51.9M · securities $68.5M
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 | 0.63% | 0.69% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 5.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.62% | 10th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 78.7% | 63th | |
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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