Side-by-side · Q2 2026 data
Midland Municipal Employees Credit Union vs Mtcu Credit Union
Credit union
Midland Municipal Employees Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | Midland Municipal Employees Credit Union | Mtcu Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 69 |
| Capital cushion | 99 (stronger) | 75 |
| Loan quality | 85 (stronger) | 73 |
| Earnings | 46 (stronger) | 27 |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 77th | 48th |
| Total assets | $17.1M | $137.3M |
| Deposits / shares | $14.5M | $121.1M |
| Capital ratio | 14.92% (stronger) | 12.47% |
| Problem loans | 0.44% (stronger) | 0.80% |
| Net charge-offs | -0.00% (stronger) | 0.48% |
| Return on assets | 0.65% (stronger) | 0.18% |
| Loans ÷ deposits | 29.5% (stronger) | 72.3% |
| Uninsured deposits | 6.7% | 0.2% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Midland Municipal Employees Credit Union has the higher TellerScore (85 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Midland Municipal Employees Credit Union leads on 6 and Mtcu Credit Union on 1. 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.