TellerScore

Midland Municipal Employees Credit Union is a federally insured state-chartered credit union headquartered in Midland, Texas, in business for about 73 years. At the end of Q2 2026 it reported $17.1M in total assets and $14.5M in member shares and deposits, with 1 office.

Midland Municipal Employees Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 77% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 80th. Funding & liquidity contributes the most (100/100, 30% loans-to-deposits, 7% uninsured); earnings contributes the least (46/100, 0.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion99/100
Net worth ratio: 14.92%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity100/100
Loans ÷ shares: 29.5% · 6.7% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.73%

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 7 points (78 → 85), mostly because the earnings component improved by 10 points.

TellerScore
728088Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202474
Q4 202477
Q1 202578
Q2 202578
Q3 202581
Q4 202588
Q1 202685
Q2 202685
Net worth ratio
7.00%10.96%14.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.75%
Q3 202413.76%
Q4 202413.76%
Q1 202513.69%
Q2 202514.06%
Q3 202514.20%
Q4 202514.60%
Q1 202614.88%
Q2 202614.92%
Delinquent loans (60+ days)
0.04%0.44%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.81%
Q3 20240.85%
Q4 20240.44%
Q1 20250.49%
Q2 20250.69%
Q3 20250.57%
Q4 20250.04%
Q1 20260.39%
Q2 20260.44%
Return on assets
-0.13%0.26%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.13%
Q3 20240.06%
Q4 20240.12%
Q1 20250.21%
Q2 20250.41%
Q3 20250.49%
Q4 20250.63%
Q1 20260.57%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$17.1M14.92%0.44%0.65%29.5%
Q1 202685$16.9M14.88%0.39%0.57%29.0%
Q4 202588$17.1M14.60%0.04%0.63%30.8%
Q3 202581$17.3M14.20%0.57%0.49%30.8%
Q2 202578$17.3M14.06%0.69%0.41%32.6%
Q1 202578$17.5M13.69%0.49%0.21%27.5%
Q4 202477$17.4M13.76%0.44%0.12%28.5%
Q3 202474$17.3M13.76%0.85%0.06%27.5%
Q2 202472$17.2M13.75%0.81%-0.13%28.0%

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 ratio14.92%
54th
Problem loans0.44%
61st
Net charge-offs-0.00%
87th
Return on assets0.65%
50th
Loans to deposits29.5%
89th
Uninsured deposits6.7%
14th
Loan-loss reserves0.00%
37th
Texas ratio0.7%
71st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
Marshall T & P Employees Federal Credit UnionCredit union Marshall, TX81 out of 100, Strong$17.4M17.9%1.04%vs
Cowboy Country Federal Credit UnionCredit union Premont, TX46 out of 100, Below average$16.8M14.8%6.70%vs
Southern Star Credit UnionCredit union Houston, TX57 out of 100, Moderate$17.7M13.2%1.87%vs
Victoria Teachers Federal Credit UnionCredit union Victoria, TX88 out of 100, Very strong$18.0M33.0%0.08%vs

Deposit insurance

Is my money safe at Midland Municipal Employees Credit Union?

Yes. Midland Municipal Employees Credit Union is a federally insured credit union (NCUA charter #67475). 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 6.7% of shares and deposits ($965K) 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 14.92%, well 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

Midland Municipal Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Midland Municipal Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67475
RSSD ID
1223543
Primary regulator
State + NCUA
Established
1953
Headquarters
P O Box 1152, Midland, TX 79702
Employees
2

Quick answers

Midland Municipal Employees Credit Union: common questions

Is Midland Municipal Employees Credit Union NCUA insured?

Yes. Midland Municipal Employees Credit Union is a federally insured credit union (NCUA charter #67475). 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 Municipal Employees Credit Union's TellerScore?

85 out of 100 (Very 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 Municipal Employees 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
Southwest Heritage Credit UnionCredit union Odessa, TX83 out of 100, Strong$260.9M13.3%0.20%vs
Txdot Credit UnionCredit union Abilene, TX81 out of 100, Strong$18.2M17.2%0.54%vs