MIDWEST LIBERTY
Charter #6466 · McCook, NE · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.24% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.06% sits at the 84th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 51st — a 25-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 | MIDWEST LIBERTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.46M | 50th pct | 51th pct |
| Members | 2,533 | 64th pct | 46th pct |
| Net worth ratio | 10.56% | 22th pct | 36th pct |
| Return on average assets | 0.59% | 46th pct | 46th pct |
| Net interest margin | 5.24% | 95th pct | 87th pct |
| Cost of funds | 1.38% | 74th pct | 56th pct |
| Loan-to-share | 74.51% | 76th pct | 51th pct |
| Delinquency 60+ days | 1.22% | 73th pct | 64th pct |
| Net charge-off ratio | 1.06% | 87th pct | 84th pct |
| Loan growth YoY | -0.65% | 65th pct | 52th pct |
| Share growth YoY | 8.42% | 92th pct | 87th pct |
| Efficiency ratio | 78.22% | 44th pct | 48th pct |
structural peer set hash: ef9ca139853f6f306973de6f611e88bf… (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.