MID-CITIES
Charter #95073 · Compton, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 6.97% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 4.56% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.06% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 3.25% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 97.16% sits at the 82nd 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 | MID-CITIES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.28M | 25th pct | 8th pct |
| Members | 2,350 | 58th pct | 44th pct |
| Net worth ratio | 6.97% | 2th pct | 0th pct |
| Return on average assets | 0.01% | 18th pct | 26th pct |
| Net interest margin | 4.56% | 80th pct | 95th pct |
| Cost of funds | 0.06% | 5th pct | 2th pct |
| Loan-to-share | 29.23% | 9th pct | 25th pct |
| Delinquency 60+ days | 1.27% | 74th pct | 69th pct |
| Net charge-off ratio | 3.25% | 97th pct | 97th pct |
| Loan growth YoY | -11.36% | 5th pct | 11th pct |
| Share growth YoY | 2.75% | 52th pct | 61th pct |
| Efficiency ratio | 97.16% | 86th pct | 82th pct |
structural peer set hash: 2bf91e178164b697ce3ed337a3a285fb… (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.