TellerScore

Midland Credit Union is a federally insured state-chartered credit union headquartered in Urbandale, Iowa, in business for about 93 years. At the end of Q2 2026 it reported $101.2M in total assets and $84.3M in member shares and deposits, with 2 offices.

Midland Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 1,341 credit unions with $100 million – $1 billion. Among 66 credit unions headquartered in Iowa, it ranks 35th. Problem-loan coverage contributes the most (93/100, 3.4%); earnings contributes the least (63/100, 1.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.85%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity80/100
Loans ÷ shares: 80.1% · 2.3% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.38%

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 rose 5 points (70 → 75), mostly because the earnings component improved by 17 points.

TellerScore
596775Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202470
Q4 202468
Q1 202559
Q2 202570
Q3 202570
Q4 202573
Q1 202675
Q2 202675
Net worth ratio
7.00%9.42%11.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.56%
Q3 202410.91%
Q4 202410.90%
Q1 202510.54%
Q2 202510.86%
Q3 202511.25%
Q4 202511.74%
Q1 202611.64%
Q2 202611.85%
Delinquent loans (60+ days)
0.40%0.87%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.04%
Q3 20240.40%
Q4 20240.63%
Q1 20251.33%
Q2 20250.57%
Q3 20250.82%
Q4 20250.60%
Q1 20260.47%
Q2 20260.60%
Return on assets
0.29%0.69%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.55%
Q4 20240.56%
Q1 20250.29%
Q2 20250.64%
Q3 20250.91%
Q4 20250.93%
Q1 20261.01%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$101.2M11.85%0.60%1.08%80.1%
Q1 202675$100.5M11.64%0.47%1.01%78.7%
Q4 202573$97.4M11.74%0.60%0.93%79.8%
Q3 202570$99.7M11.25%0.82%0.91%74.6%
Q2 202570$99.9M10.86%0.57%0.64%73.4%
Q1 202559$100.7M10.54%1.33%0.29%72.1%
Q4 202468$96.6M10.90%0.63%0.56%75.4%
Q3 202470$95.1M10.91%0.40%0.55%77.0%
Q2 202463$96.5M10.56%1.04%0.44%69.9%

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 ratio11.85%
56th
Problem loans0.60%
56th
Net charge-offs0.50%
36th
Return on assets1.08%
71st
Loans to deposits80.1%
40th
Uninsured deposits2.3%
88th
Loan-loss reserves0.00%
50th
Texas ratio3.4%
57th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Serve Credit UnionCredit union Des Moines, IA84 out of 100, Strong$101.3M18.1%0.81%vs
Advantage Credit UnionCredit union Newton, IA70 out of 100, Strong$106.5M15.3%2.39%vs
River Valley Credit UnionCredit union Ames, IA70 out of 100, Strong$119.3M11.4%1.05%vs
North Iowa Community Credit UnionCredit union Mason City, IA60 out of 100, Moderate$127.8M9.8%1.00%vs
North Star Community Credit UnionCredit union Cherokee, IA58 out of 100, Moderate$149.4M9.8%0.54%vs
Affinity Credit UnionCredit union Des Moines, IA74 out of 100, Strong$154.3M12.2%0.35%vs

Deposit insurance

Is my money safe at Midland Credit Union?

Yes. Midland Credit Union is a federally insured credit union (NCUA charter #61918). 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 2.3% of shares and deposits ($1.9M) 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 11.85%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Midland Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Midland Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61918
RSSD ID
816591
Primary regulator
State + NCUA
Established
1933
Headquarters
2891 106th St, Urbandale, IA 50322
Employees
22

Quick answers

Midland Credit Union: common questions

Is Midland Credit Union NCUA insured?

Yes. Midland Credit Union is a federally insured credit union (NCUA charter #61918). 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 Midland Credit Union's TellerScore?

75 out of 100 (Strong), 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 Midland Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Urbandale

InstitutionScoreAssetsCapitalProblem loansCompare
ITS BankBank Johnston, IA98 out of 100, Very strong$45.2M97.5%0.00%vs
Lamoure Credit UnionCredit union Lamoure, ND98 out of 100, Very strong$38.8M18.9%0.00%vs
Iowa State BankBank Des Moines, IA95 out of 100, Very strong$480.5M15.9%0.00%vs
Journey Credit UnionCredit union Des Moines, IA85 out of 100, Very strong$97.6M16.9%1.11%vs
Serve Credit UnionCredit union Des Moines, IA84 out of 100, Strong$101.3M18.1%0.81%vs
Charter BankBank Johnston, IA83 out of 100, Strong$227.5M11.0%0.00%vs