TellerScore

Mid American Credit Union (NCUA charter #65378) is based in Wichita, Kansas. Its Q2 2026 call report shows $531.9M in total assets and $441.8M in member shares and deposits and 8 offices across 2 states.

Mid American Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 1,341 credit unions with $100 million – $1 billion. Among 62 credit unions headquartered in Kansas, it ranks 49th. Problem-loan coverage contributes the most (87/100, 6.3%); capital cushion contributes the least (39/100, 8.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.94%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.47%
Earnings47/100
Return on assets (annualized): 0.66%
Funding & liquidity50/100
Loans ÷ shares: 110.6% · 2.8% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.28%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 58).

TellerScore
565961Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202457
Q3 202456
Q4 202457
Q1 202558
Q2 202558
Q3 202558
Q4 202559
Q1 202661
Q2 202658
Net worth ratio
7.00%8.25%9.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.51%
Q3 20249.41%
Q4 20249.37%
Q1 20259.32%
Q2 20258.86%
Q3 20258.99%
Q4 20258.96%
Q1 20269.03%
Q2 20268.94%
Delinquent loans (60+ days)
0.41%0.47%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.53%
Q4 20240.52%
Q1 20250.47%
Q2 20250.45%
Q3 20250.50%
Q4 20250.52%
Q1 20260.50%
Q2 20260.47%
Return on assets
0.13%0.55%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.13%
Q3 20240.22%
Q4 20240.30%
Q1 20250.40%
Q2 20250.49%
Q3 20250.64%
Q4 20250.70%
Q1 20260.98%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$531.9M8.94%0.47%0.66%110.6%
Q1 202661$521.0M9.03%0.50%0.98%108.7%
Q4 202559$511.2M8.96%0.52%0.70%108.8%
Q3 202558$501.1M8.99%0.50%0.64%109.1%
Q2 202558$494.7M8.86%0.45%0.49%106.5%
Q1 202558$462.6M9.32%0.47%0.40%107.6%
Q4 202457$455.1M9.37%0.52%0.30%109.1%
Q3 202456$451.5M9.41%0.53%0.22%107.5%
Q2 202457$442.0M9.51%0.41%0.13%109.0%

1,341 peers · $100 million – $1 billion

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 ratio8.94%
13th
Problem loans0.47%
68th
Net charge-offs0.55%
31st
Return on assets0.66%
44th
Loans to deposits110.6%
1st
Uninsured deposits2.8%
85th
Loan-loss reserves0.00%
50th
Texas ratio6.3%
29th

Similar-size credit unions in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Skyward Credit UnionCredit union Wichita, KS60 out of 100, Moderate$467.4M9.9%0.86%vs
Envista Federal Credit UnionCredit union Topeka, KS72 out of 100, Strong$693.4M10.8%0.31%vs
Mainstreet Federal Credit UnionCredit union Lenexa, KS70 out of 100, Strong$702.7M9.9%0.71%vs
Heartland Credit UnionCredit union Hutchinson, KS66 out of 100, Moderate$726.4M9.8%1.20%vs
Wichita Federal Credit UnionCredit union Wichita, KS63 out of 100, Moderate$280.5M14.5%2.11%vs
Azura Credit UnionCredit union Topeka, KS64 out of 100, Moderate$851.9M10.3%0.75%vs

Deposit insurance

Is my money safe at Mid American Credit Union?

Yes. Mid American Credit Union is a federally insured credit union (NCUA charter #65378). 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 2.8% of shares and deposits ($12.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.94%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Mid American Credit Union lists 8 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mid American Credit Union reported 235 home-loan applications under HMDA (LEI 549300P5F47MW3AQ2048): 154 originated ($22,260,000 total), 30 denied, and 51 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
14.9% Share Secured Visa14.90%$0—1.0%
9.9% Share Secured Visa9.90%$0—1.0%
Everyday Gold Visa14.90%$0—1.0%
Everyday Visa14.90%$0—1.0%
Select Gold Visa9.90%$0—1.0%
Select Visa9.90%$0—1.0%
Youth Visa9.90%$0—1.0%

All Mid American Credit Union card terms

Identity & history

Profile

Legal name
Mid American Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65378
RSSD ID
621991
Primary regulator
State + NCUA
Established
1936
Headquarters
8404 W Kellogg Dr, Wichita, KS 67209
Employees
116

Quick answers

Mid American Credit Union: common questions

Is Mid American Credit Union NCUA insured?

Yes. Mid American Credit Union is a federally insured credit union (NCUA charter #65378). 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 Mid American Credit Union's TellerScore?

58 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 Mid American Credit Union have?

8 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Wichita

InstitutionScoreAssetsCapitalProblem loansCompare
Garden Plain State BankBank Wichita, KS88 out of 100, Very strong$191.5M15.2%0.94%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs
The Valley State BankBank Belle Plaine, KS78 out of 100, Strong$200.5M12.2%0.09%vs
The First National Bank of HutchinsonBank Hutchinson, KS78 out of 100, Strong$1.2B11.5%0.33%vs