TellerScore

Headquartered in Fort Wayne, Indiana, Midwest America Federal Credit Union is a federal credit union with $1.0B in total assets and $846.4M in member shares and deposits as of Q2 2026. It operates 17 offices. Its charter dates back to 1936.

Based on its Q2 2026 filing, Midwest America Federal Credit Union scores 79/100, which we describe as strong. That is higher than 86% of 454 credit unions with $1 billion – $10 billion. Among 121 credit unions headquartered in Indiana, it ranks 33rd. Its strongest component is capital cushion (98/100; 14.80%), and its lowest is earnings (66/100; 1.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.80%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.90%
Earnings66/100
Return on assets (annualized): 1.14%
Funding & liquidity68/100
Loans ÷ shares: 92.2% · 7.0% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.90%

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 (81 → 79), mostly because the loan quality component weakened by 7 points.

TellerScore
788184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202484
Q3 202482
Q4 202479
Q1 202579
Q2 202581
Q3 202580
Q4 202578
Q1 202678
Q2 202679
Net worth ratio
7.00%10.90%14.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.74%
Q3 202414.58%
Q4 202414.40%
Q1 202514.05%
Q2 202514.27%
Q3 202514.36%
Q4 202514.52%
Q1 202614.38%
Q2 202614.80%
Delinquent loans (60+ days)
0.39%0.64%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.40%
Q4 20240.57%
Q1 20250.58%
Q2 20250.69%
Q3 20250.73%
Q4 20250.89%
Q1 20260.82%
Q2 20260.90%
Return on assets
0.84%1.01%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20240.90%
Q4 20240.84%
Q1 20250.92%
Q2 20251.18%
Q3 20251.16%
Q4 20251.08%
Q1 20260.98%
Q2 20261.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$1.0B14.80%0.90%1.14%92.2%
Q1 202678$995.0M14.38%0.82%0.98%88.3%
Q4 202578$958.8M14.52%0.89%1.08%90.6%
Q3 202580$957.0M14.36%0.73%1.16%90.0%
Q2 202581$949.1M14.27%0.69%1.18%88.0%
Q1 202579$943.7M14.05%0.58%0.92%86.9%
Q4 202479$900.6M14.40%0.57%0.84%90.0%
Q3 202482$880.3M14.58%0.40%0.90%88.4%
Q2 202484$857.3M14.74%0.39%1.07%87.0%

454 peers · $1 billion – $10 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 ratio14.80%
91st
Problem loans0.90%
33rd
Net charge-offs0.47%
56th
Return on assets1.14%
76th
Loans to deposits92.2%
37th
Uninsured deposits7.0%
71st
Loan-loss reserves0.00%
50th
Texas ratio4.9%
47th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Heritage Federal Credit UnionCredit union Newburgh, IN77 out of 100, Strong$1.0B12.3%0.33%vs
Crane Credit UnionCredit union Odon, IN69 out of 100, Moderate$1.2B12.8%1.69%vs
Notre Dame Federal Credit UnionCredit union Notre Dame, IN64 out of 100, Moderate$1.4B11.0%0.59%vs
Beacon Credit UnionCredit union Wabash, IN76 out of 100, Strong$1.8B13.5%0.47%vs
Interra Credit UnionCredit union Goshen, IN64 out of 100, Moderate$2.1B9.1%0.16%vs
Indiana University Credit UnionCredit union Bloomington, IN72 out of 100, Strong$2.1B11.8%0.67%vs

Deposit insurance

Is my money safe at Midwest America Federal Credit Union?

Yes. Midwest America Federal Credit Union is a federally insured credit union (NCUA charter #1427). 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 7.0% of shares and deposits ($59.6M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 14.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

17 locations

Branches

Midwest America Federal Credit Union lists 17 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Midwest America Federal Credit Union reported 913 home-loan applications under HMDA (LEI 54930030UYPZM65LOF37): 703 originated ($79,635,000 total), 76 denied, and 84 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.2%, 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.

Identity & history

Profile

Legal name
Midwest America Federal Credit Union
Type
Federal credit union
NCUA charter #
1427
RSSD ID
381978
Primary regulator
NCUA
Established
1936
Headquarters
1104 Medical Park Dr, Fort Wayne, IN 46825
Employees
204

Quick answers

Midwest America Federal Credit Union: common questions

Is Midwest America Federal Credit Union NCUA insured?

Yes. Midwest America Federal Credit Union is a federally insured credit union (NCUA charter #1427). 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 Midwest America Federal Credit Union's TellerScore?

79 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 Midwest America Federal Credit Union have?

17 offices as of the latest NCUA data.

Nearby

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