PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Midwest Members

Wood River, IL · Charter 68684

NCUA · 3 branches

Q2 2026

$226.6MAssets
$162.0MLoans
$195.5MShares
$30.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.66%, down 3 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.44% of loans (+4 bps YoY).
  • Capital: net worth / assets of 13.58%, up 86 bps from a year ago.
  • Funding: loans stand at 82.83% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.66%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.66%-12 bps YoY

Efficiency Ratio (YTD, annualized)

62.29%+212 bps YoY

Net Worth / Assets

13.58%+86 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.53%1.62%1.68%1.76%1.78%1.56%1.66%-3 bps
Return on Equity12.56%12.31%13.21%13.23%13.32%13.16%11.83%12.20%-103 bps
Net Interest Margin3.75%3.73%3.64%3.78%3.83%3.79%3.59%3.66%-12 bps
Efficiency Ratio63.15%62.11%62.95%60.18%59.28%59.17%64.90%62.29%+212 bps
Growth
Asset Growth (YoY)2.30%3.28%5.60%5.01%5.88%6.18%6.92%7.30%+229 bps
Loan Growth (YoY)2.79%1.31%-0.11%-0.05%1.83%4.97%5.59%5.01%+507 bps
Share Growth (YoY)0.89%2.25%4.53%3.71%3.99%4.49%5.60%6.03%+232 bps
Asset Quality
Delinquent Loans / Loans0.29%0.45%0.59%0.40%0.35%0.50%0.25%0.44%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.17%12.44%12.25%12.72%13.19%13.50%13.15%13.58%+86 bps
Net Worth / Assets12.17%12.44%12.25%12.72%13.19%13.50%13.15%13.58%+86 bps
Liquidity & Funding
Loans / Shares86.79%86.79%82.41%83.63%84.99%87.19%82.41%82.83%-80 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps