PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Midland

Urbandale, IA · Charter 61918

NCUA · 3 branches

Q2 2026

$101.2MAssets
$67.6MLoans
$84.3MShares
$12.0MNet 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 1.08%, up 44 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.60% of loans (+3 bps YoY).
  • Capital: net worth / assets of 11.85%, up 98 bps from a year ago.
  • Funding: loans stand at 80.14% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.08%+44 bps YoY

Net Interest Margin (quarter, annualized)

4.54%+33 bps YoY

Efficiency Ratio (quarter, annualized)

75.87%+197 bps YoY

Net Worth / Assets

11.85%+98 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.91%0.93%1.01%1.08%+44 bps
Return on Equity5.91%8.06%7.91%8.66%9.13%+322 bps
Net Interest Margin4.21%4.53%4.68%4.53%4.54%+33 bps
Efficiency Ratio73.90%71.10%71.71%77.01%75.87%+197 bps
Growth
Asset Growth (YoY)3.49%4.78%0.87%-0.19%1.25%-224 bps
Loan Growth (YoY)7.01%0.77%5.08%7.20%9.26%+225 bps
Share Growth (YoY)1.84%4.01%-0.63%-1.88%0.07%-177 bps
Asset Quality
Delinquent Loans / Loans0.57%0.82%0.60%0.47%0.60%+3 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 Capital10.86%11.25%11.74%11.64%11.85%+98 bps
Net Worth / Assets10.86%11.25%11.74%11.64%11.85%+98 bps
Liquidity & Funding
Loans / Shares73.40%74.62%79.75%78.72%80.14%+674 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps