MEMBERS FINANCIAL
Charter #4020 · Midland, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.76% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 3.15% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.05% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.17% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 100.24% sits at the 90th 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 | MEMBERS FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $35.65M | 74th pct | 59th pct |
| Members | 3,301 | 82th pct | 69th pct |
| Net worth ratio | 9.31% | 13th pct | 26th pct |
| Return on average assets | -0.76% | 7th pct | 5th pct |
| Net interest margin | 3.15% | 20th pct | 10th pct |
| Cost of funds | 2.05% | 91th pct | 93th pct |
| Loan-to-share | 65.31% | 62th pct | 57th pct |
| Delinquency 60+ days | 0.17% | 28th pct | 21th pct |
| Net charge-off ratio | 0.55% | 73th pct | 67th pct |
| Loan growth YoY | 2.05% | 82th pct | 64th pct |
| Share growth YoY | 6.38% | 83th pct | 85th pct |
| Efficiency ratio | 100.24% | 89th pct | 90th pct |
structural peer set hash: 63250dabaf144e8dc171c6d842c4fac8… (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.