Midwestern State University
Wichita Falls, TX · Charter 67549 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$4.3MAssets
$2.1MLoans
$3.6MShares
$703KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets in TX (rank 25 of 235).
- Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets in TX (rank 223 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-0.79%
Rank 222 of 235
Net Interest Margin
4.81%
Rank 25 of 235
Efficiency Ratio
107.63%
Rank 223 of 235
Equity / Assets
16.25%
Rank 88 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.79% | 0.17% | 0.57% | 1.10% | Beats 6% | 222 / 235 | | |
| Return on Equity | -4.84% | 1.03% | 4.30% | 7.58% | Beats 6% | 221 / 235 | | |
| Net Interest Margin | 4.81% | 3.32% | 3.89% | 4.35% | Beats 89% | 25 / 235 | | |
| Efficiency Ratio | 107.63% | 70.60% | 82.00% | 91.57% | Beats 6% | 223 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.20% | 0.59% | 1.14% | Beats 57% | 103 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.25% | 11.30% | 14.41% | 19.49% | Beats 63% | 88 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.25% | 11.30% | 14.41% | 19.49% | Beats 63% | 88 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.17% | 54.18% | 67.38% | 81.66% | 35th pctl | 152 / 235 | | |
| Loans / Assets | 49.42% | 43.80% | 56.63% | 68.64% | 34th pctl | 155 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |