TellerScore

Midwest Community Federal Credit Union is a federal credit union headquartered in Defiance, Ohio, in business for about 72 years. At the end of Q2 2026 it reported $267.2M in total assets and $246.5M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Midwest Community Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 21% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 146th. Its strongest component is funding & liquidity (83/100; 77% loans-to-deposits, 4% uninsured), and its lowest is capital cushion (35/100; 8.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Net worth ratio: 8.50%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.05%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity83/100
Loans ÷ shares: 76.9% · 3.6% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.13%

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 2 points (58 → 60), mostly because the earnings component improved by 21 points.

TellerScore
576164Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202458
Q4 202457
Q1 202558
Q2 202558
Q3 202558
Q4 202562
Q1 202664
Q2 202660
Net worth ratio
7.00%7.75%8.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.85%
Q3 20247.83%
Q4 20247.72%
Q1 20257.68%
Q2 20257.78%
Q3 20258.02%
Q4 20258.14%
Q1 20268.36%
Q2 20268.50%
Delinquent loans (60+ days)
0.29%0.67%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.37%
Q4 20240.37%
Q1 20250.38%
Q2 20250.60%
Q3 20250.80%
Q4 20250.51%
Q1 20260.60%
Q2 20261.05%
Return on assets
0.15%0.60%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.23%
Q4 20240.15%
Q1 20250.27%
Q2 20250.53%
Q3 20250.72%
Q4 20250.74%
Q1 20261.04%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$267.2M8.50%1.05%1.05%76.9%
Q1 202664$258.7M8.36%0.60%1.04%75.8%
Q4 202562$253.5M8.14%0.51%0.74%75.8%
Q3 202558$248.0M8.02%0.80%0.72%77.7%
Q2 202558$249.5M7.78%0.60%0.53%76.9%
Q1 202558$252.2M7.68%0.38%0.27%74.9%
Q4 202457$244.2M7.72%0.37%0.15%75.8%
Q3 202458$242.2M7.83%0.37%0.23%77.4%
Q2 202459$237.1M7.85%0.29%0.26%77.4%

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 ratio8.50%
7th
Problem loans1.05%
28th
Net charge-offs0.13%
80th
Return on assets1.05%
69th
Loans to deposits76.9%
47th
Uninsured deposits3.6%
76th
Loan-loss reserves0.00%
50th
Texas ratio9.1%
16th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Bridge Credit UnionCredit union Powell, OH64 out of 100, Moderate$256.8M10.2%0.75%vs
Truecore Federal Credit UnionCredit union Newark, OH67 out of 100, Moderate$255.4M9.3%0.46%vs
Lormet Community Federal Credit UnionCredit union Amherst, OH91 out of 100, Very strong$283.3M13.7%0.15%vs
C E S Credit UnionCredit union Mount Vernon, OH91 out of 100, Very strong$244.3M13.1%0.16%vs
Ohio Valley Community Federal Credit UnionCredit union Clarington, OH72 out of 100, Strong$243.6M13.4%1.59%vs
Quest Federal Credit UnionCredit union Kenton, OH60 out of 100, Moderate$237.5M8.8%0.94%vs

Deposit insurance

Is my money safe at Midwest Community Federal Credit Union?

Yes. Midwest Community Federal Credit Union is a federally insured credit union (NCUA charter #9522). 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 3.6% of shares and deposits ($8.8M) 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 8.50%, slightly 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

Midwest Community Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Midwest Community Federal Credit Union
Type
Federal credit union
NCUA charter #
9522
RSSD ID
977380
Primary regulator
NCUA
Established
1954
Headquarters
8770 N State Route 66, Defiance, OH 43512
Employees
62

Quick answers

Midwest Community Federal Credit Union: common questions

Is Midwest Community Federal Credit Union NCUA insured?

Yes. Midwest Community Federal Credit Union is a federally insured credit union (NCUA charter #9522). 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 Community Federal Credit Union's TellerScore?

60 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 Midwest Community Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Defiance

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
First Federal Savings and Loan AssociationBank Delta, OH93 out of 100, Very strong$246.0M16.5%0.00%vs
Genfed Financial Credit UnionCredit union Akron, OH79 out of 100, Strong$335.9M16.8%1.38%vs
The Hamler State BankBank Hamler, OH76 out of 100, Strong$125.3M14.3%1.38%vs
Civista BankBank Sandusky, OH75 out of 100, Strong$4.3B12.7%0.92%vs
The Fort Jennings State BankBank Fort Jennings, OH75 out of 100, Strong$285.8M12.7%1.09%vs