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Credit Union Safety Analysis

Is Mid-Island Federal Credit Union Safe?

BankRegReports is independent of Mid-Island Federal Credit Union and never asks for online banking logins or passwords.

A health scorecard for Mid-Island Federal Credit Union against standard NCUA supervisory thresholds for capital, asset quality, earnings, and liquidity. Based on the Q2 2026 NCUA 5300 call report.

Data as of · sourced from NCUA 5300 call reports. How we update

Overall assessment Watch: near the edge of a band on at least one measure

Scorecard by dimension

Capital adequacy PASS
Net worth ratio: 10.05%

NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher, and adequately capitalized at 6%.

Asset quality PASS
Delinquency ratio: 0.41%

The share of loans 60 or more days delinquent. Lower is better. NCUA sets no threshold; our reference band passes 1% or less and fails above 2%.

Earnings WATCH
Return on assets: 0.30%

The latest quarter's net income, annualized, as a share of total assets. Sustained positive earnings build net worth. NCUA sets no threshold; our reference band passes 0.5% or more and fails below 0%.

Liquidity PASS
Loan-to-share ratio: 31.94%

Loans as a share of member deposits (shares). Very high ratios can signal tighter on-hand liquidity. NCUA sets no threshold; our reference band passes 85% or less and fails above 100%.

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Mid-Island Federal Credit Union: regulatory capital profile · BankRegReports

This scorecard is an automated comparison of public NCUA 5300 figures against NCUA's net worth levels and, for delinquency, ROA and loan-to-share (where NCUA sets no threshold), BankRegReports reference bands. It is not a credit rating, an NCUA examination result, or financial advice. Member deposits at federally insured credit unions are protected by the NCUSIF up to at least $250,000 per member. See the full Mid-Island Federal Credit Union profile or how this data updates.

Regulator records: NCUA credit union profile (charter 23811) · FFIEC NIC profile (RSSD 854593)

Frequently asked questions

Is Mid-Island Federal Credit Union well capitalized?

Its net worth ratio was 10.05%. NCUA considers a credit union well capitalized at 7% or higher.

Are deposits at Mid-Island Federal Credit Union insured?

Yes. Member deposits at federally insured credit unions are covered by the National Credit Union Share Insurance Fund (NCUSIF) up to at least $250,000 per member, backed by the full faith and credit of the United States.

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