TellerScore

Headquartered in Midland, Texas, Members Financial Federal Credit Union is a federal credit union with $38.6M in total assets and $34.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1940.

Based on its Q2 2026 filing, Members Financial Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 28% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 262nd. Its strongest component is funding & liquidity (100/100; 59% loans-to-deposits, 9% uninsured), and its lowest is earnings (19/100; -0.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.77%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.16%
Earnings19/100
Return on assets (annualized): -0.02%
Funding & liquidity100/100
Loans ÷ shares: 59.4% · 8.6% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 9 points (73 → 64), mostly because the earnings component weakened by 42 points.

TellerScore
607181Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202467
Q1 202581
Q2 202573
Q3 202574
Q4 202570
Q1 202660
Q2 202664
Net worth ratio
7.00%8.95%10.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.90%
Q3 202410.87%
Q4 202410.38%
Q1 20259.92%
Q2 20259.63%
Q3 20259.93%
Q4 20259.62%
Q1 20269.31%
Q2 20268.77%
Delinquent loans (60+ days)
0.06%0.27%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.06%
Q3 20240.28%
Q4 20240.47%
Q1 20250.14%
Q2 20250.23%
Q3 20250.13%
Q4 20250.34%
Q1 20260.17%
Q2 20260.16%
Return on assets
-0.76%0.61%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.56%
Q4 20240.50%
Q1 20251.98%
Q2 20251.03%
Q3 20250.91%
Q4 20250.73%
Q1 2026-0.76%
Q2 2026-0.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$38.6M8.77%0.16%-0.02%59.4%
Q1 202660$35.7M9.31%0.17%-0.76%65.3%
Q4 202570$35.2M9.62%0.34%0.73%65.2%
Q3 202574$33.8M9.93%0.13%0.91%68.1%
Q2 202573$34.3M9.63%0.23%1.03%66.3%
Q1 202581$33.2M9.92%0.14%1.98%71.7%
Q4 202467$30.1M10.38%0.47%0.50%80.5%
Q3 202470$28.5M10.87%0.28%0.56%85.1%
Q2 202470$28.0M10.90%0.06%0.48%91.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.77%
8th
Problem loans0.16%
76th
Net charge-offs0.29%
40th
Return on assets-0.02%
19th
Loans to deposits59.4%
49th
Uninsured deposits8.6%
9th
Loan-loss reserves0.00%
37th
Texas ratio1.0%
65th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Austin Federal Credit UnionCredit union Austin, TX58 out of 100, Moderate$38.4M9.3%1.40%vs
Aspire Credit UnionCredit union Lufkin, TX94 out of 100, Very strong$38.0M20.5%0.05%vs
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs
Golden Triangle Federal Credit UnionCredit union Groves, TX79 out of 100, Strong$37.9M18.6%0.63%vs
Keystone Credit UnionCredit union Tyler, TX80 out of 100, Strong$40.2M27.4%0.68%vs
Caprock Federal Credit UnionCredit union Lamesa, TX56 out of 100, Moderate$40.4M11.5%1.43%vs

Deposit insurance

Is my money safe at Members Financial Federal Credit Union?

Yes. Members Financial Federal Credit Union is a federally insured credit union (NCUA charter #4020). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.6% of shares and deposits ($3.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.77%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Members Financial Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
4020
RSSD ID
326876
Primary regulator
NCUA
Established
1940
Headquarters
PO Box 9609, Midland, TX 79708
Employees
10

Quick answers

Members Financial Federal Credit Union: common questions

Is Members Financial Federal Credit Union NCUA insured?

Yes. Members Financial Federal Credit Union is a federally insured credit union (NCUA charter #4020). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Members Financial Federal Credit Union's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Members Financial Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Midland

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Federal Credit UnionCredit union Big Spring, TX90 out of 100, Very strong$201.9M14.6%0.13%vs
Odessa Employees Credit UnionCredit union Odessa, TX89 out of 100, Very strong$21.0M16.1%0.00%vs
Complex Community Federal Credit UnionCredit union Odessa, TX85 out of 100, Very strong$818.2M13.8%0.59%vs
The First National Bank of StantonBank Stanton, TX85 out of 100, Very strong$394.9M17.5%1.08%vs
Midland Municipal Employees Credit UnionCredit union Midland, TX85 out of 100, Very strong$17.1M14.9%0.44%vs
Southwest Heritage Credit UnionCredit union Odessa, TX83 out of 100, Strong$260.9M13.3%0.20%vs