TellerScore

Midwestern State University Credit Union is a federally insured state-chartered credit union headquartered in Wichita Falls, Texas, in business for about 71 years. At the end of Q2 2026 it reported $4.3M in total assets and $3.6M in member shares and deposits, with 3 offices.

Midwestern State University Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 164th. Capital cushion contributes the most (100/100, 16.26%); earnings contributes the least (0/100, -0.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.26%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.47%
Earnings0/100
Return on assets (annualized): -0.78%
Funding & liquidity100/100
Loans ÷ shares: 60.2% · 0.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.39%

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 (78 → 76), mostly because the earnings component weakened by 22 points.

TellerScore
737984Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202481
Q4 202482
Q1 202576
Q2 202578
Q3 202580
Q4 202584
Q1 202673
Q2 202676
Net worth ratio
7.00%11.63%16.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.13%
Q3 202413.73%
Q4 202414.06%
Q1 202513.95%
Q2 202514.11%
Q3 202514.66%
Q4 202514.88%
Q1 202614.86%
Q2 202616.26%
Delinquent loans (60+ days)
0.13%0.44%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.13%
Q3 20240.25%
Q4 20240.28%
Q1 20250.30%
Q2 20250.35%
Q3 20250.60%
Q4 20250.29%
Q1 20260.74%
Q2 20260.47%
Return on assets
-0.79%-0.09%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.36%
Q4 20240.42%
Q1 2025-0.26%
Q2 20250.04%
Q3 20250.22%
Q4 20250.36%
Q1 2026-0.79%
Q2 2026-0.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$4.3M16.26%0.47%-0.78%60.2%
Q1 202673$4.8M14.86%0.74%-0.79%62.6%
Q4 202584$4.8M14.88%0.29%0.36%59.6%
Q3 202580$4.8M14.66%0.60%0.22%59.2%
Q2 202578$5.0M14.11%0.35%0.04%61.0%
Q1 202576$5.0M13.95%0.30%-0.26%59.2%
Q4 202482$5.0M14.06%0.28%0.42%64.4%
Q3 202481$5.0M13.73%0.25%0.36%61.0%
Q2 202482$5.3M13.13%0.13%0.61%59.7%

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 ratio16.26%
61st
Problem loans0.47%
60th
Net charge-offs0.41%
31st
Return on assets-0.78%
8th
Loans to deposits60.2%
48th
Uninsured deposits0.0%
81st
Loan-loss reserves0.65%
79th
Texas ratio1.4%
60th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Belton Federal Credit UnionCredit union Belton, TX51 out of 100, Below average$4.3M14.3%4.41%vs
Thd District 17 Credit UnionCredit union Bryan, TX63 out of 100, Moderate$4.3M19.6%2.42%vs
Oak Farms Employees Credit UnionCredit union Houston, TX50 out of 100, Below average$4.2M26.8%3.19%vs
Highway District 9 Credit UnionCredit union Waco, TX86 out of 100, Very strong$4.2M26.4%0.51%vs
Intercorp Credit UnionCredit union Amarillo, TX60 out of 100, Moderate$4.2M18.6%2.86%vs
Covenant Savings Federal Credit UnionCredit union Killeen, TX72 out of 100, Strong$4.2M12.5%1.69%vs

Deposit insurance

Is my money safe at Midwestern State University Credit Union?

Yes. Midwestern State University Credit Union is a federally insured credit union (NCUA charter #67549). 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 0.0% of shares and deposits ($0) 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 16.26%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Midwestern State University Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Midwestern State University Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67549
RSSD ID
827391
Primary regulator
State + NCUA
Established
1955
Headquarters
3410 Taft Blvd, Wichita Falls, TX 76308
Employees
3

Quick answers

Midwestern State University Credit Union: common questions

Is Midwestern State University Credit Union NCUA insured?

Yes. Midwestern State University Credit Union is a federally insured credit union (NCUA charter #67549). 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 Midwestern State University Credit Union's TellerScore?

76 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 Midwestern State University Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wichita Falls

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
The Waggoner National Bank of VernonBank Vernon, TX88 out of 100, Very strong$353.7M14.4%0.66%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
Wichita Falls Teachers Federal Credit UnionCredit union Wichita Falls, TX82 out of 100, Strong$115.6M12.4%0.31%vs
First BankBank Burkburnett, TX81 out of 100, Strong$703.6M13.9%0.80%vs
First State BankBank Graham, TX81 out of 100, Strong$308.8M10.1%0.00%vs