MIDLAND MUNICIPAL EMPLOYEES
Charter #67475 · Midland, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,289 sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.46% sits at the 8th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 61st — a 21-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 | MIDLAND MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.94M | 27th pct | 36th pct |
| Members | 1,289 | 16th pct | 23th pct |
| Net worth ratio | 14.88% | 59th pct | 59th pct |
| Return on average assets | 0.57% | 45th pct | 44th pct |
| Net interest margin | 2.46% | 5th pct | 8th pct |
| Cost of funds | 0.63% | 40th pct | 61th pct |
| Loan-to-share | 28.99% | 9th pct | 26th pct |
| Delinquency 60+ days | 0.39% | 41th pct | 36th pct |
| Net charge-off ratio | 0.00% | 23th pct | 28th pct |
| Loan growth YoY | -8.42% | 11th pct | 26th pct |
| Share growth YoY | -2.61% | 10th pct | 8th pct |
| Efficiency ratio | 77.73% | 43th pct | 46th pct |
structural peer set hash: 783fbc41f96a752edfc5adaeadd117a0… (reproducible)
Closest structural peers
This is the free public view
Claim MIDLAND MUNICIPAL EMPLOYEES
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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.