Members Financial
Midland, TX · Charter 4020 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$38.6MAssets
$20.7MLoans
$34.9MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets in TX (rank 54 of 235).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets in TX (rank 221 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.02%
Rank 201 of 235
Net Interest Margin
2.99%
Rank 210 of 235
Efficiency Ratio
91.63%
Rank 178 of 235
Equity / Assets
8.77%
Rank 221 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.02% | 0.17% | 0.57% | 1.10% | Beats 14% | 201 / 235 | | |
| Return on Equity | -0.18% | 1.03% | 4.30% | 7.58% | Beats 14% | 202 / 235 | | |
| Net Interest Margin | 2.99% | 3.32% | 3.89% | 4.35% | Beats 11% | 210 / 235 | | |
| Efficiency Ratio | 91.63% | 70.60% | 82.00% | 91.57% | Beats 25% | 178 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.20% | 0.59% | 1.14% | Beats 77% | 54 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.77% | 11.30% | 14.41% | 19.49% | Beats 6% | 221 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.77% | 11.30% | 14.41% | 19.49% | Beats 6% | 221 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.35% | 54.18% | 67.38% | 81.66% | 33rd pctl | 158 / 235 | | |
| Loans / Assets | 53.65% | 43.80% | 56.63% | 68.64% | 43rd pctl | 134 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |