Mid-Island
Christiansted, VI · Charter 23811 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$17.9MAssets
$5.0MLoans
$15.6MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets (rank 337 of 1683).
- Widest gap: return on equity trails 90% of credit unions under $1B in assets (rank 1513 of 1681).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.08%
Rank 1,508 of 1,683
Net Interest Margin
4.48%
Rank 337 of 1,683
Efficiency Ratio
88.08%
Rank 1,307 of 1,682
Equity / Assets
10.05%
Rank 1,334 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.08% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,508 / 1,683 | |
| Return on Equity | -0.78% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,513 / 1,681 | |
| Net Interest Margin | 4.48% | 3.31% | 3.82% | 4.32% | Beats 80% | 337 / 1,683 | |
| Efficiency Ratio | 88.08% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,307 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.26% | 0.65% | 1.29% | Beats 66% | 570 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.05% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,334 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.05% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,334 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 31.94% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,584 / 1,683 | |
| Loans / Assets | 27.87% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,575 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |