TellerScore

Headquartered in Texarkana, Arkansas, Mil-Way Federal Credit Union is a federal credit union with $189.6M in total assets and $168.5M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1956.

Mil-Way Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 1,341 credit unions with $100 million – $1 billion. Among 46 credit unions headquartered in Arkansas, it ranks 23rd. Funding & liquidity contributes the most (100/100, 54% loans-to-deposits, 3% uninsured); earnings contributes the least (45/100, 0.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.30%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity100/100
Loans ÷ shares: 53.9% · 3.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.09%

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 3 points (71 → 74), mostly because the earnings component improved by 8 points.

TellerScore
697274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202474
Q4 202472
Q1 202570
Q2 202571
Q3 202573
Q4 202572
Q1 202674
Q2 202674
Net worth ratio
7.00%8.77%10.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.27%
Q3 202410.53%
Q4 202410.44%
Q1 202510.09%
Q2 202510.00%
Q3 202510.04%
Q4 202510.08%
Q1 202610.13%
Q2 202610.30%
Delinquent loans (60+ days)
0.01%0.22%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.07%
Q4 20240.17%
Q1 20250.19%
Q2 20250.11%
Q3 20250.01%
Q4 20250.08%
Q1 20260.04%
Q2 20260.13%
Return on assets
0.36%0.49%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.46%
Q4 20240.45%
Q1 20250.36%
Q2 20250.43%
Q3 20250.45%
Q4 20250.51%
Q1 20260.63%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$189.6M10.30%0.13%0.62%53.9%
Q1 202674$190.0M10.13%0.04%0.63%53.4%
Q4 202572$187.9M10.08%0.08%0.51%53.9%
Q3 202573$185.5M10.04%0.01%0.45%54.6%
Q2 202571$183.8M10.00%0.11%0.43%54.1%
Q1 202570$179.8M10.09%0.19%0.36%55.9%
Q4 202472$172.4M10.44%0.17%0.45%59.3%
Q3 202474$169.1M10.53%0.07%0.46%60.5%
Q2 202469$171.2M10.27%0.43%0.41%59.8%

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 ratio10.30%
33rd
Problem loans0.13%
94th
Net charge-offs0.09%
86th
Return on assets0.62%
40th
Loans to deposits53.9%
87th
Uninsured deposits3.4%
78th
Loan-loss reserves0.00%
50th
Texas ratio1.1%
88th

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Success Federal Credit UnionCredit union Blytheville, AR89 out of 100, Very strong$217.7M15.2%0.69%vs
Arkansas Best Federal Credit UnionCredit union Fort Smith, AR84 out of 100, Strong$144.0M16.3%0.62%vs
Telcoe Federal Credit UnionCredit union Little Rock, AR89 out of 100, Very strong$503.4M20.2%0.12%vs

Deposit insurance

Is my money safe at Mil-Way Federal Credit Union?

Yes. Mil-Way Federal Credit Union is a federally insured credit union (NCUA charter #24197). 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 3.4% of shares and deposits ($5.8M) 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 10.30%, 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

Mil-Way Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mil-Way Federal Credit Union
Type
Federal credit union
NCUA charter #
24197
RSSD ID
226891
Primary regulator
NCUA
Established
1956
Headquarters
2000 Arkansas Blvd, Texarkana, AR 71854
Employees
37

Quick answers

Mil-Way Federal Credit Union: common questions

Is Mil-Way Federal Credit Union NCUA insured?

Yes. Mil-Way Federal Credit Union is a federally insured credit union (NCUA charter #24197). 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 Mil-Way Federal Credit Union's TellerScore?

74 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 Mil-Way Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Texarkana

InstitutionScoreAssetsCapitalProblem loansCompare
Domino Federal Credit UnionCredit union Texarkana, TX96 out of 100, Very strong$86.6M17.5%0.35%vs
Bank of DelightBank Delight, AR86 out of 100, Very strong$201.0M13.4%0.29%vs
Federal Employees Credit UnionCredit union Texarkana, TX83 out of 100, Strong$2.9M22.9%0.00%vs
State Bank of De KalbBank De Kalb, TX82 out of 100, Strong$519.9M12.2%0.24%vs
Texar Federal Credit UnionCredit union Texarkana, TX81 out of 100, Strong$440.5M16.4%0.72%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs