Midway

BERRYVILLE, VA · 1 · Charter #14408 · www.midwayfcu.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
$9.9M
41th percentile
Members
794
29th percentile
Total loans
$3.5M
34th percentile
Total shares
$8.4M
42th percentile

Profitability

Return on assets
-0.06%
14th percentile
Net interest margin
3.37%
29th percentile
Efficiency ratio
66.06%
51th percentile
Non-interest income ratio
0.80%
12th percentile

Capital & Risk

Net worth ratio
23.08%
82th percentile
Delinquency rate
0.25%
68th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
41.71%
24th percentile

Growth

Member growth YoY
-5.59%
15th percentile
Asset growth YoY
-8.23%
8th percentile
Loan growth YoY
-12.29%
17th percentile
Share growth YoY
-10.69%
7th percentile

Operations

Members / branch
397
18th percentile
Assets / member
$12,521
74th percentile
Field of membership penetration
39.70%
54th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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