TellerScore

Headquartered in Berryville, Virginia, Midway Federal Credit Union is a federal credit union with $9.7M in total assets and $7.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1961.

Midway Federal 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 95 credit unions headquartered in Virginia, it ranks 16th. Capital cushion contributes the most (100/100, 23.64%); earnings contributes the least (25/100, 0.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.64%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings25/100
Return on assets (annualized): 0.11%
Funding & liquidity100/100
Loans ÷ shares: 42.3% · 0.3% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 rose 10 points (75 → 85), mostly because the loan quality component improved by 29 points.

TellerScore
758085Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202480
Q4 202477
Q1 202577
Q2 202575
Q3 202576
Q4 202581
Q1 202681
Q2 202685
Net worth ratio
7.00%15.32%23.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.37%
Q3 202420.04%
Q4 202421.29%
Q1 202520.60%
Q2 202522.14%
Q3 202522.54%
Q4 202523.08%
Q1 202622.88%
Q2 202623.64%
Delinquent loans (60+ days)
0.00%0.43%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.28%
Q3 20240.81%
Q4 20240.83%
Q1 20250.86%
Q2 20250.86%
Q3 20250.72%
Q4 20250.25%
Q1 20260.09%
Q2 20260.00%
Return on assets
-0.29%0.07%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.32%
Q3 20240.43%
Q4 20240.04%
Q1 20250.03%
Q2 2025-0.23%
Q3 2025-0.29%
Q4 2025-0.12%
Q1 2026-0.24%
Q2 20260.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$9.7M23.64%0.00%0.11%42.3%
Q1 202681$10.0M22.88%0.09%-0.24%39.0%
Q4 202581$9.9M23.08%0.25%-0.12%41.7%
Q3 202576$10.1M22.54%0.72%-0.29%40.8%
Q2 202575$10.4M22.14%0.86%-0.23%41.7%
Q1 202577$11.1M20.60%0.86%0.03%38.7%
Q4 202477$10.8M21.29%0.83%0.04%42.5%
Q3 202480$11.6M20.04%0.81%0.43%41.5%
Q2 202484$11.4M20.37%0.28%0.32%41.6%

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 ratio23.64%
86th
Problem loans0.00%
94th
Net charge-offs-0.04%
90th
Return on assets0.11%
24th
Loans to deposits42.3%
75th
Uninsured deposits0.3%
60th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

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InstitutionScoreAssetsCapitalProblem loansCompare
VA Beach Postal Federal Credit UnionCredit union Virginia Beach, VA80 out of 100, Strong$10.0M13.0%0.50%vs
Richmond Heritage Federal Credit UnionCredit union Richmond, VA78 out of 100, Strong$10.6M37.1%0.30%vs
Mosaic Federal Credit UnionCredit union Harrisonburg, VA39 out of 100, Low$8.8M8.4%2.21%vs
Port of Hampton Roads Ila Federal Credit UnionCredit union Norfolk, VA67 out of 100, Moderate$8.4M7.7%0.00%vs
Summit Hampton Roads Federal Credit UnionCredit union Norfolk, VA52 out of 100, Below average$8.2M14.3%2.89%vs
Halifax County Community Federal Credit UnionCredit union South Boston, VA45 out of 100, Below average$7.1M6.2%0.97%vs

Deposit insurance

Is my money safe at Midway Federal Credit Union?

Yes. Midway Federal Credit Union is a federally insured credit union (NCUA charter #14408). 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 0.3% of shares and deposits ($26K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 23.64%, well 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

Midway Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Midway Federal Credit Union
Type
Federal credit union
NCUA charter #
14408
RSSD ID
134781
Primary regulator
NCUA
Established
1961
Headquarters
P O Box 232, Berryville, VA 22611
Employees
4

Quick answers

Midway Federal Credit Union: common questions

Is Midway Federal Credit Union NCUA insured?

Yes. Midway Federal Credit Union is a federally insured credit union (NCUA charter #14408). 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 Midway Federal 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 Midway Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Berryville

InstitutionScoreAssetsCapitalProblem loansCompare
Front Royal Federal Credit UnionCredit union Front Royal, VA97 out of 100, Very strong$87.4M16.9%0.14%vs
Martinsburg V.A. Center Federal Credit UnionCredit union Kearneysville, WV92 out of 100, Very strong$17.1M13.9%0.32%vs
Virginia National BankBank Charlottesville, VA83 out of 100, Strong$1.6B13.2%0.47%vs
Eastern Panhandle Federal Credit UnionCredit union Martinsburg, WV83 out of 100, Strong$18.8M12.2%0.16%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
167th Tfr Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$72.5M10.7%0.44%vs