MIDLAND
Charter #61918 · URBANDALE, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,556 sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 4.60% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.20% ranks in the 25th 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 | MIDLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $100.47M | 0th pct | 3th pct |
| Members | 6,556 | 9th pct | 10th pct |
| Net worth ratio | 11.64% | 52th pct | 59th pct |
| Return on average assets | 1.02% | 71th pct | 72th pct |
| Net interest margin | 4.60% | 91th pct | 87th pct |
| Cost of funds | 1.27% | 54th pct | 66th pct |
| Loan-to-share | 78.72% | 65th pct | 62th pct |
| Delinquency 60+ days | 0.47% | 39th pct | 30th pct |
| Net charge-off ratio | 0.20% | 32th pct | 25th pct |
| Loan growth YoY | 5.78% | 90th pct | 84th pct |
| Share growth YoY | 0.27% | 11th pct | 10th pct |
| Efficiency ratio | 77.01% | 43th pct | 41th pct |
structural peer set hash: 2f2b390a7879e49d34c44ee7bdaab257… (reproducible)
Closest structural peers
This is the free public view
Claim MIDLAND
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.