Side-by-side · Q2 2026 data
Midland Municipal Employees Credit Union vs Odessa Employees 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 | Odessa Employees Credit Union |
|---|---|---|
| TellerScore | 85 | 89 (stronger) |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 46 | 46 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 77th | 87th |
| Total assets | $17.1M | $21.0M |
| Deposits / shares | $14.5M | $17.5M |
| Capital ratio | 14.92% | 16.15% (stronger) |
| Problem loans | 0.44% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 0.65% | 0.65% (stronger) |
| Loans ÷ deposits | 29.5% (stronger) | 60.7% |
| Uninsured deposits | 6.7% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Odessa Employees Credit Union has the higher TellerScore (89 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Midland Municipal Employees Credit Union leads on 2 and Odessa Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.