MTCU
Charter #67642 · Midland, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,306 sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 0.11% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 4.38% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.34% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.89% sits at the 75th percentile of structural peers — worth a closer look.
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 | MTCU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $136.22M | 24th pct | 36th pct |
| Members | 7,306 | 14th pct | 15th pct |
| Net worth ratio | 12.50% | 63th pct | 61th pct |
| Return on average assets | 0.11% | 12th pct | 8th pct |
| Net interest margin | 4.38% | 87th pct | 95th pct |
| Cost of funds | 0.34% | 14th pct | 23th pct |
| Loan-to-share | 71.50% | 50th pct | 72th pct |
| Delinquency 60+ days | 0.89% | 71th pct | 75th pct |
| Net charge-off ratio | 0.49% | 64th pct | 66th pct |
| Loan growth YoY | 4.05% | 82th pct | 85th pct |
| Share growth YoY | 0.18% | 11th pct | 15th pct |
| Efficiency ratio | 94.19% | 93th pct | 89th pct |
structural peer set hash: 03693d9465d64b19aba53228ddc74134… (reproducible)
Closest structural peers
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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.