Midwest Community
Defiance, OH · Charter 9522 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$267.2MAssets
$189.6MLoans
$246.5MShares
$21.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 94% of credit unions under $1B in assets (rank 96 of 1681).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets (rank 1611 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.05%
Rank 549 of 1,683
Net Interest Margin
3.81%
Rank 850 of 1,683
Efficiency Ratio
77.12%
Rank 784 of 1,682
Equity / Assets
8.17%
Rank 1,611 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.35% | 0.74% | 1.18% | Beats 67% | 549 / 1,683 | |
| Return on Equity | 12.85% | 2.67% | 5.89% | 8.74% | Beats 94% | 96 / 1,681 | |
| Net Interest Margin | 3.81% | 3.31% | 3.82% | 4.32% | Beats 49% | 850 / 1,683 | |
| Efficiency Ratio | 77.12% | 68.91% | 78.20% | 86.93% | Beats 53% | 784 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.05% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,156 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.17% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,611 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.17% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,611 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 76.91% | 52.61% | 69.38% | 83.50% | 64th pctl | 613 / 1,683 | |
| Loans / Assets | 70.95% | 44.71% | 59.18% | 70.72% | 76th pctl | 410 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |