MIDWEST AMERICA
Charter #1427 · Fort Wayne, IN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.38% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 99th percentile but its structural peers at the 54th — a 45-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MIDWEST AMERICA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $994.96M | 99th pct | 54th pct |
| Members | 51,712 | 76th pct | 38th pct |
| Net worth ratio | 14.38% | 90th pct | 92th pct |
| Return on average assets | 1.00% | 72th pct | 72th pct |
| Net interest margin | 3.88% | 75th pct | 62th pct |
| Cost of funds | 1.80% | 73th pct | 59th pct |
| Loan-to-share | 88.25% | 71th pct | 51th pct |
| Delinquency 60+ days | 0.82% | 67th pct | 69th pct |
| Net charge-off ratio | 0.48% | 55th pct | 57th pct |
| Loan growth YoY | 2.52% | 68th pct | 69th pct |
| Share growth YoY | 4.59% | 61th pct | 59th pct |
| Efficiency ratio | 71.19% | 25th pct | 34th pct |
structural peer set hash: 2e513847a6cb893ac0af888cde62024f… (reproducible)
Closest structural peers
This is the free public view
Claim MIDWEST AMERICA
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.