MID AMERICAN
Charter #65378 · Wichita, KS · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.03% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.56% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 38th — a 30-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 AMERICAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $520.96M | 8th pct | 38th pct |
| Members | 47,000 | 66th pct | 49th pct |
| Net worth ratio | 9.03% | 18th pct | 10th pct |
| Return on average assets | 0.99% | 72th pct | 56th pct |
| Net interest margin | 3.62% | 61th pct | 39th pct |
| Cost of funds | 2.56% | 94th pct | 85th pct |
| Loan-to-share | 108.66% | 98th pct | 95th pct |
| Delinquency 60+ days | 0.50% | 41th pct | 38th pct |
| Net charge-off ratio | 0.53% | 59th pct | 44th pct |
| Loan growth YoY | 4.29% | 86th pct | 74th pct |
| Share growth YoY | 4.73% | 62th pct | 56th pct |
| Efficiency ratio | 68.42% | 18th pct | 36th pct |
structural peer set hash: 6f4dece8735e0215feaa03a91523ad6f… (reproducible)
Closest structural peers
This is the free public view
Claim MID AMERICAN
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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.