MIDWEST FAMILY
Charter #15007 · PORTAGE, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.26% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.55% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.14% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 33rd — a 32-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 FAMILY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.13M | 80th pct | 51th pct |
| Members | 2,588 | 65th pct | 33th pct |
| Net worth ratio | 10.44% | 21th pct | 30th pct |
| Return on average assets | 0.20% | 26th pct | 33th pct |
| Net interest margin | 3.81% | 47th pct | 46th pct |
| Cost of funds | 0.26% | 19th pct | 20th pct |
| Loan-to-share | 51.26% | 40th pct | 59th pct |
| Delinquency 60+ days | 1.55% | 79th pct | 75th pct |
| Net charge-off ratio | -0.14% | 8th pct | 2th pct |
| Loan growth YoY | -2.54% | 49th pct | 44th pct |
| Share growth YoY | 4.22% | 68th pct | 59th pct |
| Efficiency ratio | 93.18% | 79th pct | 70th pct |
structural peer set hash: 338aef9e011c87a41386ead53e5d15a8… (reproducible)
Closest structural peers
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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.