MID-ISLAND
Charter #23811 · Christiansted, VI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.06% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of -0.45% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.79% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.15% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.36% sits at the 92nd percentile of structural peers — worth a closer look.
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 | MID-ISLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.19M | 31th pct | 43th pct |
| Members | 2,392 | 60th pct | 74th pct |
| Net worth ratio | 10.06% | 19th pct | 20th pct |
| Return on average assets | -0.45% | 11th pct | 3th pct |
| Net interest margin | 4.79% | 87th pct | 93th pct |
| Cost of funds | 0.15% | 10th pct | 11th pct |
| Loan-to-share | 32.04% | 11th pct | 34th pct |
| Delinquency 60+ days | 0.19% | 29th pct | 31th pct |
| Net charge-off ratio | 1.36% | 90th pct | 92th pct |
| Loan growth YoY | 7.73% | 96th pct | 95th pct |
| Share growth YoY | -0.75% | 21th pct | 18th pct |
| Efficiency ratio | 83.32% | 58th pct | 69th pct |
structural peer set hash: 9e6175e18ebf3d8e0ba6d2b8872590b5… (reproducible)
Closest structural peers
This is the free public view
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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.