MIDWEST MEMBERS
Charter #68684 · Wood River, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.60% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.25% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.90% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 31st — 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 | MIDWEST MEMBERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $226.51M | 59th pct | 64th pct |
| Members | 17,581 | 68th pct | 54th pct |
| Net worth ratio | 13.15% | 70th pct | 70th pct |
| Return on average assets | 1.60% | 91th pct | 89th pct |
| Net interest margin | 3.69% | 52th pct | 31th pct |
| Cost of funds | 1.04% | 40th pct | 30th pct |
| Loan-to-share | 82.41% | 74th pct | 62th pct |
| Delinquency 60+ days | 0.25% | 18th pct | 20th pct |
| Net charge-off ratio | 0.46% | 61th pct | 44th pct |
| Loan growth YoY | 3.81% | 80th pct | 79th pct |
| Share growth YoY | 7.06% | 88th pct | 72th pct |
| Efficiency ratio | 64.90% | 15th pct | 16th pct |
structural peer set hash: 82e21ec265ad987cbd0f006348502a85… (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.