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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.17% | 0.57% | 1.10% | Beats 53% | 111 / 235 | |
| Return on Equity | 4.31% | 1.03% | 4.30% | 7.58% | Beats 50% | 117 / 235 | |
| Net Interest Margin | 2.56% | 3.32% | 3.89% | 4.35% | Beats 3% | 228 / 235 | |
| Efficiency Ratio | 74.09% | 70.60% | 82.00% | 91.57% | Beats 68% | 77 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.20% | 0.59% | 1.14% | Beats 59% | 97 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.92% | 11.30% | 14.41% | 19.49% | Beats 55% | 105 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.92% | 11.30% | 14.41% | 19.49% | Beats 55% | 105 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 29.50% | 54.18% | 67.38% | 81.66% | 4th pctl | 225 / 235 | |
| Loans / Assets | 24.98% | 43.80% | 56.63% | 68.64% | 5th pctl | 224 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |