MIDLAND
Charter #61918 | IA
<100M
(2596 CUs)
Micro
($0-$500M)
39 <100M in IA
MIDLAND has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Net Interest Margin 0.59% above tier average
- + Total Assets: Top 0.2% in tier
- + Total Deposits: Top 1.3% in tier
- + Total Loans: Top 1.5% in tier
- + Total Members: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 6.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,668
-2.0% YoY-1.0% QoQ
|
+4.0K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Top 7.0% in tier |
| Assets |
$99.7M
+4.8% YoY-0.2% QoQ
|
+$69.8M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Top 0.2% in tier |
| Loans |
$62.6M
+0.8% YoY+1.1% QoQ
|
+$46.8M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Top 1.6% in tier |
| Deposits |
$83.8M
+4.0% YoY-0.5% QoQ
|
+$58.4M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 1.4% in tier |
| ROA |
0.9%
+66.5% YoY+41.6% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
57th in tier |
| NIM |
4.5%
+17.8% YoY+8.0% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
74th in tier |
| Efficiency Ratio |
71.1%
-6.4% YoY-3.8% QoQ
|
-10.3% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
33rd in tier |
| Delinquency Rate |
0.8%
+103.3% YoY+43.5% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
56th in tier |
| Loan To Share |
74.6%
-3.1% YoY+1.7% QoQ
|
+13.4% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
70th in tier |
| AMR |
$21,954
+4.7% YoY+1.2% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 14.2% in tier |
| CD Concentration |
14.8%
+33.5% YoY+11.3% QoQ
|
-9.6% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
17.2%
-11.6% YoY-0.2% QoQ
|
+3.2% |
14.0%
-5.8% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
6
Total Assets
balance_sheet
Value:
$99.66M
Peer Avg: $29.86M
#6 of 2596
Top 0.2% in <100M tier
36
Total Deposits
balance_sheet
Value:
$83.83M
Peer Avg: $25.45M
#36 of 2596
Top 1.3% in <100M tier
41
Total Loans
balance_sheet
Value:
$62.56M
Peer Avg: $15.77M
#41 of 2596
Top 1.5% in <100M tier
181
Total Members
engagement
Value:
6,668
Peer Avg: 2,626
#181 of 2596
Top 6.9% in <100M tier
278
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,382
Peer Avg: $5,488
#278 of 2596
Top 10.7% in <100M tier
337
Fee Income Per Member
profitability
Value:
$156.51
Peer Avg: $182.96
#337 of 2596
Top 12.9% in <100M tier
368
Average Member Relationship (AMR)
engagement
Value:
$21,954
Peer Avg: $14,627
#368 of 2596
Top 14.1% in <100M tier
Top Weaknesses (2 metrics)
2421
Indirect Auto Concentration (%)
balance_sheet
Value:
17.19%
Peer Avg: 2.84%
#2421 of 2596
Bottom 6.8% in <100M tier
1993
Net Charge-Off Rate
risk
Value:
0.67%
Peer Avg: 0.57%
#1993 of 2596
Bottom 23.3% in <100M tier