Mid-Cities

Compton, CA · 3 · Charter #95073 · www.midcitiescu.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
$15.7M
54th percentile
Members
2,561
78th percentile
Total loans
$4.7M
42th percentile
Total shares
$14.4M
58th percentile

Profitability

Return on assets
0.21%
23th percentile
Net interest margin
4.62%
73th percentile
Efficiency ratio
95.22%
9th percentile
Non-interest income ratio
21.68%
85th percentile

Capital & Risk

Net worth ratio
7.22%
3th percentile
Delinquency rate
2.87%
16th percentile
Net charge-off rate
3.59%
3th percentile
Loan-to-share
32.71%
14th percentile

Growth

Member growth YoY
-10.80%
5th percentile
Asset growth YoY
-10.49%
4th percentile
Loan growth YoY
-19.18%
7th percentile
Share growth YoY
-9.86%
8th percentile

Operations

Members / branch
2,561
87th percentile
Assets / member
$6,136
24th percentile
Field of membership penetration
25.61%
39th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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