Side-by-side · Q2 2026 data
Citizens Federal Credit Union vs Midland Municipal Employees Credit Union
Credit union
Midland Municipal Employees Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | Citizens Federal Credit Union | Midland Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 85 |
| Capital cushion | 96 | 99 (stronger) |
| Loan quality | 96 (stronger) | 85 |
| Earnings | 87 (stronger) | 46 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 95th | 77th |
| Total assets | $201.9M | $17.1M |
| Deposits / shares | $173.8M | $14.5M |
| Capital ratio | 14.60% | 14.92% (stronger) |
| Problem loans | 0.13% (stronger) | 0.44% |
| Net charge-offs | 0.39% | -0.00% (stronger) |
| Return on assets | 1.68% (stronger) | 0.65% |
| Loans ÷ deposits | 77.2% | 29.5% (stronger) |
| Uninsured deposits | 30.3% | 6.7% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Citizens Federal Credit Union leads on 3 and Midland Municipal Employees Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.