Mid-Tex

BROWNWOOD, TX · 1 · Charter #24454 · www.MTFCU.ORG
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
$36.4M
85th percentile
Members
3,175
87th percentile
Total loans
$20.9M
90th percentile
Total shares
$33.0M
89th percentile

Profitability

Return on assets
0.82%
51th percentile
Net interest margin
4.38%
65th percentile
Efficiency ratio
78.27%
27th percentile
Non-interest income ratio
21.94%
86th percentile

Capital & Risk

Net worth ratio
8.73%
8th percentile
Delinquency rate
0.28%
66th percentile
Net charge-off rate
-0.08%
95th percentile
Loan-to-share
63.33%
54th percentile

Growth

Member growth YoY
-1.55%
49th percentile
Asset growth YoY
4.45%
71th percentile
Loan growth YoY
6.49%
83th percentile
Share growth YoY
3.85%
69th percentile

Operations

Members / branch
3,175
93th percentile
Assets / member
$11,479
67th percentile
Field of membership penetration
2.97%
14th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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