My Community

Midland, TX · 2 · Charter #68682 · www.mccu.coop
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$536.4M
62th percentile
Members
43,097
78th percentile
Total loans
$428.7M
71th percentile
Total shares
$433.0M
60th percentile

Profitability

Return on assets
1.32%
73th percentile
Net interest margin
5.12%
99th percentile
Efficiency ratio
69.96%
11th percentile
Non-interest income ratio
24.48%
79th percentile

Capital & Risk

Net worth ratio
10.51%
44th percentile
Delinquency rate
1.57%
10th percentile
Net charge-off rate
0.90%
14th percentile
Loan-to-share
99.02%
90th percentile

Growth

Member growth YoY
1.89%
65th percentile
Asset growth YoY
7.27%
68th percentile
Loan growth YoY
3.46%
46th percentile
Share growth YoY
1.24%
19th percentile

Operations

Members / branch
6,157
75th percentile
Assets / member
$12,445
15th percentile
Field of membership penetration
2.44%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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