PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Midway

Berryville, VA · Charter 14408

NCUA · 2 branches

Q2 2026

$9.7MAssets
$3.4MLoans
$7.9MShares
$2.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.11%, up 34 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (-86 bps YoY).
  • Capital: net worth / assets of 23.64%, up 150 bps from a year ago.
  • Funding: loans stand at 42.34% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.11%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.39%+18 bps YoY

Efficiency Ratio (quarter, annualized)

95.48%-698 bps YoY

Net Worth / Assets

23.64%+150 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.23%-0.29%-0.12%-0.24%0.11%+34 bps
Return on Equity-1.04%-1.27%-0.52%-1.06%0.48%+152 bps
Net Interest Margin3.21%3.17%3.37%3.24%3.39%+18 bps
Efficiency Ratio102.46%105.74%101.26%104.99%95.48%-698 bps
Growth
Asset Growth (YoY)-8.73%-12.36%-8.23%-10.32%-6.13%+260 bps
Loan Growth (YoY)-12.38%-15.56%-12.29%-11.70%-7.02%+537 bps
Share Growth (YoY)-12.66%-13.96%-10.69%-12.41%-8.33%+433 bps
Asset Quality
Delinquent Loans / Loans0.86%0.72%0.25%0.09%0.00%-86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital22.14%22.54%23.08%22.88%23.64%+150 bps
Net Worth / Assets22.14%22.54%23.08%22.88%23.64%+150 bps
Liquidity & Funding
Loans / Shares41.74%40.76%41.71%38.98%42.34%+60 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps