Mid-Island

Christiansted, VI · 1 · Charter #23811 · www.midislandfcu.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
$18.1M
59th percentile
Members
2,373
74th percentile
Total loans
$5.0M
44th percentile
Total shares
$16.1M
61th percentile

Profitability

Return on assets
1.65%
84th percentile
Net interest margin
4.95%
81th percentile
Efficiency ratio
66.58%
50th percentile
Non-interest income ratio
4.48%
32th percentile

Capital & Risk

Net worth ratio
10.22%
17th percentile
Delinquency rate
0.38%
63th percentile
Net charge-off rate
0.61%
28th percentile
Loan-to-share
31.37%
13th percentile

Growth

Member growth YoY
2.33%
86th percentile
Asset growth YoY
7.11%
84th percentile
Loan growth YoY
18.52%
95th percentile
Share growth YoY
5.30%
77th percentile

Operations

Members / branch
1,187
54th percentile
Assets / member
$7,625
35th percentile
Field of membership penetration
79.10%
90th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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