MIL-WAY
Charter #24197 · Texarkana, AR · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.13% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.88% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.84% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.04% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.08% ranks in the 10th 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 | MIL-WAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $189.96M | 48th pct | 56th pct |
| Members | 12,811 | 48th pct | 56th pct |
| Net worth ratio | 10.13% | 29th pct | 21th pct |
| Return on average assets | 0.63% | 44th pct | 36th pct |
| Net interest margin | 2.88% | 10th pct | 8th pct |
| Cost of funds | 1.84% | 82th pct | 85th pct |
| Loan-to-share | 53.36% | 15th pct | 38th pct |
| Delinquency 60+ days | 0.04% | 2th pct | 2th pct |
| Net charge-off ratio | 0.08% | 16th pct | 10th pct |
| Loan growth YoY | 0.12% | 49th pct | 56th pct |
| Share growth YoY | 2.38% | 33th pct | 26th pct |
| Efficiency ratio | 82.16% | 63th pct | 72th pct |
structural peer set hash: d5e0df20a0807439166e699dea848642… (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.