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Midland Municipal Employees

Midland, TX · Charter 67475

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

68

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Midland Municipal Employees

Midland, TX · Charter 67475

NCUA · 1 branch

Q2 2026

$17.1MAssets
$4.3MLoans
$14.5MShares
$2.6MNet 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 0.65%, up 24 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.44% of loans (-26 bps YoY).
  • Capital: net worth / assets of 14.92%, up 86 bps from a year ago.
  • Funding: loans stand at 29.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.55%+28 bps YoY

Efficiency Ratio (YTD, annualized)

74.13%-524 bps YoY

Net Worth / Assets

14.92%+86 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.49%0.63%0.57%0.65%+24 bps
Return on Equity2.92%3.44%4.29%3.82%4.33%+141 bps
Net Interest Margin2.27%2.33%2.51%2.47%2.55%+28 bps
Efficiency Ratio79.37%77.11%70.27%77.73%74.13%-524 bps
Growth
Asset Growth (YoY)0.48%-0.08%-1.63%-3.40%-0.96%-144 bps
Loan Growth (YoY)16.93%11.33%5.43%0.39%-11.28%-2,820 bps
Share Growth (YoY)0.25%-0.72%-2.46%-4.79%-1.86%-210 bps
Asset Quality
Delinquent Loans / Loans0.69%0.57%0.04%0.39%0.44%-26 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 Capital14.06%14.20%14.60%14.88%14.92%+86 bps
Net Worth / Assets14.06%14.20%14.60%14.88%14.92%+86 bps
Liquidity & Funding
Loans / Shares32.63%30.83%30.84%28.99%29.50%-313 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Midland Municipal Employees

Midland, TX · Charter 67475 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 1 branch

Q2 2026

$17.1MAssets
$4.3MLoans
$14.5MShares
$2.6MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 68% of credit unions under $1B in assets in TX (rank 77 of 235).
  • Widest gap: net interest margin trails 97% of credit unions under $1B in assets in TX (rank 228 of 235).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

0.64%

Rank 111 of 235

Net Interest Margin

2.56%

Rank 228 of 235

Efficiency Ratio

74.09%

Rank 77 of 235

Equity / Assets

14.92%

Rank 105 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.17%0.57%1.10%Beats 53%111 / 235
Return on Equity4.31%1.03%4.30%7.58%Beats 50%117 / 235
Net Interest Margin2.56%3.32%3.89%4.35%Beats 3%228 / 235
Efficiency Ratio74.09%70.60%82.00%91.57%Beats 68%77 / 235
Asset Quality
Nonperforming Loans / Loans0.44%0.20%0.59%1.14%Beats 59%97 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.92%11.30%14.41%19.49%Beats 55%105 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.92%11.30%14.41%19.49%Beats 55%105 / 235
Liquidity & Funding
Loans / Deposits29.50%54.18%67.38%81.66%4th pctl225 / 235
Loans / Assets24.98%43.80%56.63%68.64%5th pctl224 / 235
Brokered Deposits / Depositsn/aNot reported for this institution