My Community
Midland, TX · Charter 68682 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 7 branches
Q2 2026
$555.3MAssets
$458.5MLoans
$492.0MShares
$57.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets in TX (rank 11 of 235).
- Widest gap: equity / assets trails 83% of credit unions under $1B in assets in TX (rank 194 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.27%
Rank 161 of 235
Net Interest Margin
5.22%
Rank 11 of 235
Efficiency Ratio
80.47%
Rank 112 of 235
Equity / Assets
10.29%
Rank 194 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.27% | 0.17% | 0.57% | 1.10% | Beats 31% | 161 / 235 | |
| Return on Equity | 2.63% | 1.03% | 4.30% | 7.58% | Beats 37% | 148 / 235 | |
| Net Interest Margin | 5.22% | 3.32% | 3.89% | 4.35% | Beats 95% | 11 / 235 | |
| Efficiency Ratio | 80.47% | 70.60% | 82.00% | 91.57% | Beats 53% | 112 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.24% | 0.20% | 0.59% | 1.14% | Beats 23% | 183 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.29% | 11.30% | 14.41% | 19.49% | Beats 17% | 194 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.29% | 11.30% | 14.41% | 19.49% | Beats 17% | 194 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 93.18% | 54.18% | 67.38% | 81.66% | 92nd pctl | 19 / 235 | |
| Loans / Assets | 82.56% | 43.80% | 56.63% | 68.64% | 97th pctl | 7 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |