Midwest Members
Wood River, IL · Charter 68684 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 3 branches
Q2 2026
$226.6MAssets
$162.0MLoans
$195.5MShares
$30.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 96% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 2 of 27).
- Widest gap: net interest margin trails 56% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 15 of 27).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.66%
Rank 2 of 27
Net Interest Margin
3.66%
Rank 15 of 27
Efficiency Ratio
62.29%
Rank 2 of 27
Equity / Assets
13.58%
Rank 10 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.25% | 0.67% | 0.86% | Beats 93% | 2 / 27 | | |
| Return on Equity | 12.21% | 2.16% | 5.85% | 7.25% | Beats 88% | 3 / 26 | | |
| Net Interest Margin | 3.66% | 3.01% | 3.75% | 4.07% | Beats 44% | 15 / 27 | | |
| Efficiency Ratio | 62.29% | 71.97% | 77.45% | 89.37% | Beats 96% | 2 / 27 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.24% | 0.77% | 1.40% | Beats 63% | 11 / 27 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.58% | 9.38% | 10.56% | 15.42% | Beats 63% | 10 / 27 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.58% | 9.38% | 10.56% | 15.42% | Beats 63% | 10 / 27 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.83% | 56.38% | 74.82% | 87.76% | 59th pctl | 11 / 27 | | |
| Loans / Assets | 71.46% | 50.27% | 64.80% | 77.37% | 59th pctl | 11 / 27 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |