MIDWAY
Charter #14408 · BERRYVILLE, VA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 790 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 22.88% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.24% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.89% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.09% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
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 | MIDWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.00M | 100th pct | 56th pct |
| Members | 790 | 69th pct | 21th pct |
| Net worth ratio | 22.88% | 68th pct | 75th pct |
| Return on average assets | -0.24% | 28th pct | 15th pct |
| Net interest margin | 3.25% | 26th pct | 30th pct |
| Cost of funds | 1.89% | 86th pct | 89th pct |
| Loan-to-share | 38.98% | 28th pct | 36th pct |
| Delinquency 60+ days | 0.09% | 31th pct | 16th pct |
| Net charge-off ratio | -0.04% | 18th pct | 16th pct |
| Loan growth YoY | -5.54% | 49th pct | 51th pct |
| Share growth YoY | -1.21% | 39th pct | 39th pct |
| Efficiency ratio | 104.99% | 77th pct | 90th pct |
structural peer set hash: a799a0609f85a6cc622c34058fec6b56… (reproducible)
Closest structural peers
This is the free public view
Claim MIDWAY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.