MIDWEST COMMUNITY
Charter #9522 · Defiance, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.36% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 1.06% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.16% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 38th — a 19-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $258.75M | 66th pct | 52th pct |
| Members | 14,327 | 56th pct | 48th pct |
| Net worth ratio | 8.36% | 6th pct | 11th pct |
| Return on average assets | 1.06% | 72th pct | 82th pct |
| Net interest margin | 3.89% | 66th pct | 66th pct |
| Cost of funds | 1.16% | 47th pct | 41th pct |
| Loan-to-share | 75.75% | 57th pct | 38th pct |
| Delinquency 60+ days | 0.60% | 49th pct | 41th pct |
| Net charge-off ratio | 0.16% | 26th pct | 23th pct |
| Loan growth YoY | 1.45% | 61th pct | 64th pct |
| Share growth YoY | 4.06% | 58th pct | 56th pct |
| Efficiency ratio | 76.96% | 43th pct | 31th pct |
structural peer set hash: f97e59e2005fe1dafd2a0ad94de2aeb7… (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.