TellerScore

Mutual First Federal Credit Union (NCUA charter #24540) is based in Omaha, Nebraska. Its Q2 2026 call report shows $124.8M in total assets and $113.0M in member shares and deposits and 3 offices.

Mutual First Federal Credit Union has a TellerScore of 38 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 1,341 credit unions with $100 million – $1 billion. Among 50 credit unions headquartered in Nebraska, it ranks 47th. Funding & liquidity contributes the most (77/100, 83% loans-to-deposits, 10% uninsured); earnings contributes the least (24/100, 0.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Net worth ratio: 7.98%
Loan quality28/100
Loans 60+ days delinquent ÷ total loans: 2.17%
Earnings24/100
Return on assets (annualized): 0.09%
Funding & liquidity77/100
Loans ÷ shares: 83.5% · 10.2% uninsured
Problem-loan coverage59/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 20.59%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (38 → 38).

TellerScore
253238Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202428
Q3 202425
Q4 202429
Q1 202537
Q2 202538
Q3 202532
Q4 202537
Q1 202633
Q2 202638
Net worth ratio
7.00%7.72%8.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.45%
Q3 20248.17%
Q4 20248.07%
Q1 20257.91%
Q2 20258.17%
Q3 20258.39%
Q4 20258.37%
Q1 20267.86%
Q2 20267.98%
Delinquent loans (60+ days)
2.17%3.07%3.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.97%
Q3 20243.28%
Q4 20242.65%
Q1 20252.31%
Q2 20252.24%
Q3 20252.90%
Q4 20252.42%
Q1 20262.75%
Q2 20262.17%
Return on assets
-0.63%-0.24%0.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.01%
Q3 2024-0.63%
Q4 2024-0.62%
Q1 20250.04%
Q2 20250.11%
Q3 20250.12%
Q4 20250.15%
Q1 20260.04%
Q2 20260.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202638$124.8M7.98%2.17%0.09%83.5%
Q1 202633$126.1M7.86%2.75%0.04%76.7%
Q4 202537$118.2M8.37%2.42%0.15%83.8%
Q3 202532$117.0M8.39%2.90%0.12%85.2%
Q2 202538$119.7M8.17%2.24%0.11%84.6%
Q1 202537$122.9M7.91%2.31%0.04%76.4%
Q4 202429$120.4M8.07%2.65%-0.62%83.2%
Q3 202425$121.2M8.17%3.28%-0.63%87.2%
Q2 202428$123.8M8.45%3.97%0.01%88.8%

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 ratio7.98%
3rd
Problem loans2.17%
5th
Net charge-offs0.52%
33rd
Return on assets0.09%
7th
Loans to deposits83.5%
32nd
Uninsured deposits10.2%
16th
Loan-loss reserves0.00%
50th
Texas ratio20.6%
2nd

Similar-size credit unions in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
University of Nebraska Federal Credit UnionCredit union Lincoln, NE65 out of 100, Moderate$131.3M10.7%1.09%vs
Omaha Federal Credit UnionCredit union Omaha, NE88 out of 100, Very strong$118.0M15.3%1.05%vs
Membersown Credit UnionCredit union Lincoln, NE80 out of 100, Strong$109.3M14.1%0.91%vs
Onenebraska Federal Credit UnionCredit union Columbus, NE60 out of 100, Moderate$106.5M10.7%1.04%vs
Archer CooperativeCredit union Archer, NE65 out of 100, Moderate$102.7M10.6%0.85%vs
Trius Federal Credit UnionCredit union Kearney, NE58 out of 100, Moderate$152.3M10.6%1.32%vs

Deposit insurance

Is my money safe at Mutual First Federal Credit Union?

Yes. Mutual First Federal Credit Union is a federally insured credit union (NCUA charter #24540). 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 10.2% of shares and deposits ($11.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.98%, slightly 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

Mutual First Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mutual First Federal Credit Union reported 57 home-loan applications under HMDA (LEI 549300BJ4VS64HEPMV23): 34 originated ($2,680,000 total), 9 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.5%, 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
Mutual First Federal Credit Union
Type
Federal credit union
NCUA charter #
24540
RSSD ID
798491
Primary regulator
NCUA
Established
1949
Headquarters
14510 F. St, Omaha, NE 68137
Employees
30

Quick answers

Mutual First Federal Credit Union: common questions

Is Mutual First Federal Credit Union NCUA insured?

Yes. Mutual First Federal Credit Union is a federally insured credit union (NCUA charter #24540). 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 Mutual First Federal Credit Union's TellerScore?

38 out of 100 (Low), 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 Mutual First Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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