Mtcu
Midland, TX · Charter 67642 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$137.3MAssets
$87.6MLoans
$121.1MShares
$17.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 77% of credit unions under $1B in assets in TX (rank 54 of 235).
- Widest gap: efficiency ratio trails 74% of credit unions under $1B in assets in TX (rank 176 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.18%
Rank 175 of 235
Net Interest Margin
4.43%
Rank 54 of 235
Efficiency Ratio
91.55%
Rank 176 of 235
Equity / Assets
12.47%
Rank 151 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.18% | 0.17% | 0.57% | 1.10% | Beats 26% | 175 / 235 | |
| Return on Equity | 1.47% | 1.03% | 4.30% | 7.58% | Beats 29% | 167 / 235 | |
| Net Interest Margin | 4.43% | 3.32% | 3.89% | 4.35% | Beats 77% | 54 / 235 | |
| Efficiency Ratio | 91.55% | 70.60% | 82.00% | 91.57% | Beats 26% | 176 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.20% | 0.59% | 1.14% | Beats 35% | 153 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.47% | 11.30% | 14.41% | 19.49% | Beats 36% | 151 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.47% | 11.30% | 14.41% | 19.49% | Beats 36% | 151 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 72.30% | 54.18% | 67.38% | 81.66% | 59th pctl | 96 / 235 | |
| Loans / Assets | 63.80% | 43.80% | 56.63% | 68.64% | 67th pctl | 78 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |