TellerScore

Mid-Tex Federal Credit Union (NCUA charter #24454) is based in Brownwood, Texas. Its Q2 2026 call report shows $36.4M in total assets and $33.7M in member shares and deposits and 1 office.

Mid-Tex Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 258th. Funding & liquidity contributes the most (98/100, 63% loans-to-deposits, 5% uninsured); capital cushion contributes the least (42/100, 9.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.20%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.90%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity98/100
Loans ÷ shares: 62.6% · 4.8% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.69%

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 2 points (67 → 65), mostly because the loan quality component weakened by 21 points.

TellerScore
596469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202465
Q4 202466
Q1 202565
Q2 202567
Q3 202559
Q4 202569
Q1 202664
Q2 202665
Net worth ratio
7.00%8.10%9.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.17%
Q3 20248.18%
Q4 20248.32%
Q1 20258.40%
Q2 20258.51%
Q3 20258.63%
Q4 20258.80%
Q1 20268.98%
Q2 20269.20%
Delinquent loans (60+ days)
0.13%0.65%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.24%
Q4 20240.13%
Q1 20250.40%
Q2 20250.28%
Q3 20251.17%
Q4 20250.28%
Q1 20261.05%
Q2 20260.90%
Return on assets
0.49%0.74%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.49%
Q4 20240.51%
Q1 20250.58%
Q2 20250.69%
Q3 20250.73%
Q4 20250.81%
Q1 20261.00%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$36.4M9.20%0.90%0.89%62.6%
Q1 202664$36.9M8.98%1.05%1.00%62.2%
Q4 202569$36.4M8.80%0.28%0.81%63.3%
Q3 202559$36.6M8.63%1.17%0.73%62.2%
Q2 202567$35.9M8.51%0.28%0.69%62.4%
Q1 202565$35.7M8.40%0.40%0.58%61.4%
Q4 202466$34.9M8.32%0.13%0.51%61.8%
Q3 202465$34.9M8.18%0.24%0.49%62.1%
Q2 202462$34.4M8.17%0.56%0.58%63.0%

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 ratio9.20%
10th
Problem loans0.90%
42nd
Net charge-offs0.07%
60th
Return on assets0.89%
63rd
Loans to deposits62.6%
44th
Uninsured deposits4.8%
22nd
Loan-loss reserves0.00%
37th
Texas ratio5.7%
26th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Wichita Falls Federal Credit UnionCredit union Wichita Falls, TX76 out of 100, Strong$36.1M11.8%0.32%vs
Beaumont Community Credit UnionCredit union Beaumont, TX82 out of 100, Strong$35.8M13.7%0.00%vs
Brazos Star Credit UnionCredit union College Station, TX88 out of 100, Very strong$35.5M15.1%0.40%vs
Golden Triangle Federal Credit UnionCredit union Groves, TX79 out of 100, Strong$37.9M18.6%0.63%vs
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs

Deposit insurance

Is my money safe at Mid-Tex Federal Credit Union?

Yes. Mid-Tex Federal Credit Union is a federally insured credit union (NCUA charter #24454). 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 4.8% of shares and deposits ($1.6M) 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 9.20%, 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

Mid-Tex Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mid-Tex Federal Credit Union
Type
Federal credit union
NCUA charter #
24454
RSSD ID
725693
Primary regulator
NCUA
Established
1961
Headquarters
P.O. Box 338, Brownwood, TX 76804
Employees
11

Quick answers

Mid-Tex Federal Credit Union: common questions

Is Mid-Tex Federal Credit Union NCUA insured?

Yes. Mid-Tex Federal Credit Union is a federally insured credit union (NCUA charter #24454). 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-Tex Federal Credit Union's TellerScore?

65 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-Tex Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Brownwood

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers and Merchants BankBank De Leon, TX85 out of 100, Very strong$269.8M12.0%0.00%vs
TexasBankBank Fort Worth, TX80 out of 100, Strong$2.5B12.9%0.41%vs
Coleman County State BankBank Coleman, TX78 out of 100, Strong$295.1M8.6%0.05%vs
First Central Credit UnionCredit union Waco, TX76 out of 100, Strong$191.7M16.4%1.95%vs
Citizens National Bank at BrownwoodBank Brownwood, TX74 out of 100, Strong$303.4M10.5%0.74%vs
Western BankBank Lubbock, TX71 out of 100, Strong$947.2M9.8%0.31%vs