MID-KANSAS
Charter #60906 · MOUNDRIDGE, KS · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.80% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -5.04% sits at the 2nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 73.73% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 51st — a 22-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 | MID-KANSAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $83.74M | 74th pct | 57th pct |
| Members | 3,841 | 25th pct | 26th pct |
| Net worth ratio | 7.80% | 3th pct | 10th pct |
| Return on average assets | -5.04% | 0th pct | 2th pct |
| Net interest margin | 4.12% | 73th pct | 74th pct |
| Cost of funds | 1.47% | 78th pct | 62th pct |
| Loan-to-share | 73.16% | 73th pct | 51th pct |
| Delinquency 60+ days | 0.83% | 64th pct | 52th pct |
| Net charge-off ratio | 0.13% | 37th pct | 44th pct |
| Loan growth YoY | -4.89% | 19th pct | 13th pct |
| Share growth YoY | 3.18% | 54th pct | 57th pct |
| Efficiency ratio | 73.73% | 34th pct | 18th pct |
structural peer set hash: 376115e4be1527a12e040ced2582db84… (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.