PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Midwest Community

Defiance, OH · Charter 9522

NCUA · 4 branches

Q2 2026

$267.2MAssets
$189.6MLoans
$246.5MShares
$21.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.05%, up 52 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 1.05% of loans (+45 bps YoY).
  • Capital: net worth / assets of 8.17%, up 47 bps from a year ago.
  • Funding: loans stand at 76.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+24 bps YoY

Efficiency Ratio (YTD, annualized)

77.12%-851 bps YoY

Net Worth / Assets

8.17%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.72%0.74%1.04%1.05%+52 bps
Return on Equity6.83%9.02%9.16%12.81%12.85%+602 bps
Net Interest Margin3.57%3.71%3.72%3.85%3.81%+24 bps
Efficiency Ratio85.63%82.44%81.95%76.96%77.12%-851 bps
Growth
Asset Growth (YoY)5.24%2.38%3.80%2.61%7.09%+184 bps
Loan Growth (YoY)4.08%2.17%2.71%2.53%6.36%+227 bps
Share Growth (YoY)4.79%1.76%2.71%1.40%6.35%+156 bps
Asset Quality
Delinquent Loans / Loans0.60%0.80%0.51%0.60%1.05%+45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.70%8.02%8.06%8.15%8.17%+47 bps
Net Worth / Assets7.70%8.02%8.06%8.15%8.17%+47 bps
Liquidity & Funding
Loans / Shares76.90%77.70%75.83%75.75%76.91%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps