Side-by-side · Q2 2026 data
Midland Municipal Employees Credit Union vs West Texas 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 | West Texas Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 58 |
| Capital cushion | 99 (stronger) | 43 |
| Loan quality | 85 (stronger) | 64 |
| Earnings | 46 (stronger) | 24 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 77th | 19th |
| Total assets | $17.1M | $70.3M |
| Deposits / shares | $14.5M | $63.1M |
| Capital ratio | 14.92% (stronger) | 9.30% |
| Problem loans | 0.44% (stronger) | 1.07% |
| Net charge-offs | -0.00% (stronger) | 0.27% |
| Return on assets | 0.65% (stronger) | 0.11% |
| Loans ÷ deposits | 29.5% (stronger) | 60.2% |
| Uninsured deposits | 6.7% (stronger) | 7.6% |
| 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 58). On the 7 directional measures above (where higher or lower is clearly better), Midland Municipal Employees Credit Union leads on 7 and West Texas Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.