Side-by-side · Q2 2026 data
West Texas National Bank vs Midland Municipal Employees Credit Union
Credit union
Midland Municipal Employees Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | West Texas National Bank | Midland Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 60 | 85 (stronger) |
| Capital cushion | 55 | 99 (stronger) |
| Loan quality | 44 | 85 (stronger) |
| Earnings | 84 (stronger) | 46 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 81 | 99 (stronger) |
| Peer percentile | 21st | 77th |
| Total assets | $2.9B | $17.1M |
| Deposits / shares | $2.6B | $14.5M |
| Capital ratio | 10.52% | 14.92% (stronger) |
| Problem loans | 1.67% | 0.44% (stronger) |
| Net charge-offs | 0.86% | -0.00% (stronger) |
| Return on assets | 1.59% (stronger) | 0.65% |
| Loans ÷ deposits | 57.4% | 29.5% (stronger) |
| Uninsured deposits | 64.1% | 6.7% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Midland Municipal Employees Credit Union has the higher TellerScore (85 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Texas National Bank leads on 1 and Midland Municipal Employees Credit Union on 6. 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.