Midland Municipal Employees

Midland, TX · 2 · Charter #67475
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
$17.1M
58th percentile
Members
1,300
46th percentile
Total loans
$4.5M
41th percentile
Total shares
$14.5M
58th percentile

Profitability

Return on assets
0.75%
47th percentile
Net interest margin
2.51%
9th percentile
Efficiency ratio
47.89%
85th percentile
Non-interest income ratio
0.05%
5th percentile

Capital & Risk

Net worth ratio
14.60%
48th percentile
Delinquency rate
0.04%
82th percentile
Net charge-off rate
0.49%
33th percentile
Loan-to-share
30.84%
12th percentile

Growth

Member growth YoY
-2.40%
39th percentile
Asset growth YoY
-1.63%
32th percentile
Loan growth YoY
5.43%
80th percentile
Share growth YoY
-2.46%
32th percentile

Operations

Members / branch
1,300
58th percentile
Assets / member
$13,156
77th percentile
Field of membership penetration
43.33%
59th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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