PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mid-Island

Christiansted, VI · Charter 23811

NCUA · 2 branches

Q2 2026

$17.9MAssets
$5.0MLoans
$15.6MShares
$1.8MNet 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 -0.08%, down 186 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.41% of loans (-78 bps YoY).
  • Capital: net worth / assets of 10.05%, up 58 bps from a year ago.
  • Funding: loans stand at 31.94% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.08%-186 bps YoY

Net Interest Margin (quarter, annualized)

4.49%-30 bps YoY

Efficiency Ratio (quarter, annualized)

87.95%+2,710 bps YoY

Net Worth / Assets

10.05%+58 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%1.91%1.65%-0.45%-0.08%-186 bps
Return on Equity18.78%19.13%16.10%-4.46%-0.76%-1,954 bps
Net Interest Margin4.79%4.81%4.95%4.77%4.49%-30 bps
Efficiency Ratio60.85%62.34%68.30%83.32%87.95%+2,710 bps
Growth
Asset Growth (YoY)7.07%7.56%7.11%-0.49%-2.30%-937 bps
Loan Growth (YoY)-2.15%8.25%18.52%22.41%10.47%+1,262 bps
Share Growth (YoY)5.57%5.76%5.30%-1.85%-5.06%-1,063 bps
Asset Quality
Delinquent Loans / Loans1.19%1.37%0.38%0.19%0.41%-78 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 Capital9.47%9.96%10.22%10.06%10.05%+58 bps
Net Worth / Assets9.47%9.96%10.22%10.06%10.05%+58 bps
Liquidity & Funding
Loans / Shares27.45%29.51%31.37%32.04%31.94%+449 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps