Side-by-side · Q2 2026 data
Cowboy Country Federal Credit Union vs Midland Municipal Employees Credit Union
Credit union
Cowboy Country Federal Credit Union
Premont, Texas · Under $100 million in assets
Credit union
Midland Municipal Employees Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | Cowboy Country Federal Credit Union | Midland Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 46 | 85 (stronger) |
| Capital cushion | 98 | 99 (stronger) |
| Loan quality | 0 | 85 (stronger) |
| Earnings | 0 | 46 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 42 | 99 (stronger) |
| Peer percentile | 6th | 77th |
| Total assets | $16.8M | $17.1M |
| Deposits / shares | $14.3M | $14.5M |
| Capital ratio | 14.84% | 14.92% (stronger) |
| Problem loans | 6.70% | 0.44% (stronger) |
| Net charge-offs | 2.79% | -0.00% (stronger) |
| Return on assets | -4.74% | 0.65% (stronger) |
| Loans ÷ deposits | 76.2% | 29.5% (stronger) |
| Uninsured deposits | 7.1% | 6.7% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Midland Municipal Employees Credit Union has the higher TellerScore (85 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Cowboy Country Federal Credit Union leads on 0 and Midland Municipal Employees Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.