Midwestern State University

Wichita Falls, TX · 2 · Charter #67549 · www.mwsucu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.8M
24th percentile
Members
899
33th percentile
Total loans
$2.4M
26th percentile
Total shares
$4.0M
25th percentile

Profitability

Return on assets
0.36%
29th percentile
Net interest margin
4.86%
80th percentile
Efficiency ratio
91.00%
11th percentile
Non-interest income ratio
10.27%
53th percentile

Capital & Risk

Net worth ratio
14.88%
50th percentile
Delinquency rate
0.29%
66th percentile
Net charge-off rate
-0.00%
91th percentile
Loan-to-share
59.62%
49th percentile

Growth

Member growth YoY
1.70%
82th percentile
Asset growth YoY
-3.19%
24th percentile
Loan growth YoY
-11.35%
20th percentile
Share growth YoY
-4.21%
24th percentile

Operations

Members / branch
899
42th percentile
Assets / member
$5,364
18th percentile
Field of membership penetration
35.96%
50th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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