MIDWESTERN STATE UNIVERSITY
Charter #67549 · Wichita Falls, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.78% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 0.21% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 106.11% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 23rd — a 34-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 | MIDWESTERN STATE UNIVERSITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.76M | 57th pct | 23th pct |
| Members | 900 | 78th pct | 48th pct |
| Net worth ratio | 14.86% | 37th pct | 51th pct |
| Return on average assets | -0.78% | 18th pct | 7th pct |
| Net interest margin | 4.49% | 64th pct | 64th pct |
| Cost of funds | 0.21% | 31th pct | 16th pct |
| Loan-to-share | 62.58% | 55th pct | 54th pct |
| Delinquency 60+ days | 0.74% | 48th pct | 64th pct |
| Net charge-off ratio | -0.01% | 20th pct | 26th pct |
| Loan growth YoY | -3.19% | 60th pct | 57th pct |
| Share growth YoY | -8.44% | 9th pct | 2th pct |
| Efficiency ratio | 106.11% | 79th pct | 92th pct |
structural peer set hash: 54e1fc57f192d2bcfbc6d2edbb5dcb29… (reproducible)
Closest structural peers
This is the free public view
Claim MIDWESTERN STATE UNIVERSITY
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.