Mtcu

Midland, TX · 2 · Charter #67642 · www.mtcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$134.8M
65th percentile
Members
7,251
47th percentile
Total loans
$85.4M
68th percentile
Total shares
$119.2M
68th percentile

Profitability

Return on assets
0.91%
42th percentile
Net interest margin
4.73%
93th percentile
Efficiency ratio
78.00%
10th percentile
Non-interest income ratio
24.23%
80th percentile

Capital & Risk

Net worth ratio
12.60%
55th percentile
Delinquency rate
0.32%
79th percentile
Net charge-off rate
0.45%
38th percentile
Loan-to-share
71.67%
56th percentile

Growth

Member growth YoY
0.57%
65th percentile
Asset growth YoY
-0.15%
20th percentile
Loan growth YoY
6.45%
76th percentile
Share growth YoY
-2.14%
12th percentile

Operations

Members / branch
2,417
34th percentile
Assets / member
$18,596
79th percentile
Field of membership penetration
1.66%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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