PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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