Midway
Berryville, VA · Charter 14408 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$9.7MAssets
$3.4MLoans
$7.9MShares
$2.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: efficiency ratio trails 90% of credit unions under $1B in assets (rank 1521 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.12%
Rank 1,429 of 1,683
Net Interest Margin
3.39%
Rank 1,205 of 1,683
Efficiency Ratio
95.78%
Rank 1,521 of 1,682
Equity / Assets
23.65%
Rank 121 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.12% | 0.35% | 0.74% | 1.18% | Beats 15% | 1,429 / 1,683 | |
| Return on Equity | 0.52% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,456 / 1,681 | |
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,205 / 1,683 | |
| Efficiency Ratio | 95.78% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,521 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 23.65% | 10.44% | 12.89% | 16.53% | Beats 93% | 121 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 23.65% | 10.44% | 12.89% | 16.53% | Beats 93% | 121 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 42.33% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,454 / 1,683 | |
| Loans / Assets | 34.51% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,478 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |