Members First

Midland, MI · 2 · Charter #62076 · www.mfcu.net
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$900.6M
93th percentile
Members
67,490
97th percentile
Total loans
$637.9M
92th percentile
Total shares
$777.1M
95th percentile

Profitability

Return on assets
1.16%
64th percentile
Net interest margin
3.99%
81th percentile
Efficiency ratio
60.42%
44th percentile
Non-interest income ratio
25.05%
81th percentile

Capital & Risk

Net worth ratio
9.03%
17th percentile
Delinquency rate
1.14%
22th percentile
Net charge-off rate
1.24%
7th percentile
Loan-to-share
82.09%
56th percentile

Growth

Member growth YoY
2.62%
74th percentile
Asset growth YoY
5.88%
57th percentile
Loan growth YoY
0.59%
30th percentile
Share growth YoY
7.95%
79th percentile

Operations

Members / branch
5,624
68th percentile
Assets / member
$13,344
23th percentile
Field of membership penetration
0.67%
9th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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