Midland

URBANDALE, IA · 2 · Charter #61918 · www.midlandcu.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
$97.4M
44th percentile
Members
6,588
41th percentile
Total loans
$64.9M
55th percentile
Total shares
$73.8M
36th percentile

Profitability

Return on assets
1.48%
77th percentile
Net interest margin
4.68%
91th percentile
Efficiency ratio
59.39%
60th percentile
Non-interest income ratio
15.10%
39th percentile

Capital & Risk

Net worth ratio
11.74%
44th percentile
Delinquency rate
0.60%
57th percentile
Net charge-off rate
0.62%
24th percentile
Loan-to-share
87.92%
83th percentile

Growth

Member growth YoY
-3.09%
23th percentile
Asset growth YoY
0.87%
26th percentile
Loan growth YoY
5.08%
72th percentile
Share growth YoY
2.39%
41th percentile

Operations

Members / branch
2,196
26th percentile
Assets / member
$14,791
53th percentile
Field of membership penetration
0.62%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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