TellerScore

Headquartered in Midland, Texas, My Community Credit Union is a federally insured state-chartered credit union with $555.3M in total assets and $492.0M in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1952.

Based on its Q2 2026 filing, My Community Credit Union scores 55/100, which we describe as moderate. That is higher than only 12% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 332nd. Its strongest component is problem-loan coverage (80/100; 10.0%), and its lowest is earnings (31/100; 0.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.29%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.24%
Earnings31/100
Return on assets (annualized): 0.27%
Funding & liquidity67/100
Loans ÷ shares: 93.2% · 10.3% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.01%

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 6 points (61 → 55), mostly because the earnings component weakened by 18 points.

TellerScore
545862Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202461
Q4 202459
Q1 202562
Q2 202561
Q3 202560
Q4 202556
Q1 202654
Q2 202655
Net worth ratio
7.00%8.88%10.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.76%
Q3 202410.61%
Q4 202410.69%
Q1 202510.63%
Q2 202510.31%
Q3 202510.55%
Q4 202510.51%
Q1 202610.14%
Q2 202610.29%
Delinquent loans (60+ days)
0.73%1.15%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20240.87%
Q4 20241.10%
Q1 20250.94%
Q2 20251.06%
Q3 20251.34%
Q4 20251.57%
Q1 20261.27%
Q2 20261.24%
Return on assets
0.25%0.53%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.31%
Q3 20240.40%
Q4 20240.44%
Q1 20250.57%
Q2 20250.73%
Q3 20250.82%
Q4 20250.73%
Q1 20260.25%
Q2 20260.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$555.3M10.29%1.24%0.27%93.2%
Q1 202654$559.3M10.14%1.27%0.25%90.0%
Q4 202556$536.4M10.51%1.57%0.73%90.4%
Q3 202560$538.1M10.55%1.34%0.82%90.2%
Q2 202561$537.5M10.31%1.06%0.73%91.5%
Q1 202562$509.4M10.63%0.94%0.57%90.5%
Q4 202459$500.0M10.69%1.10%0.44%93.5%
Q3 202461$506.3M10.61%0.87%0.40%89.0%
Q2 202462$492.3M10.76%0.73%0.31%92.6%

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 ratio10.29%
33rd
Problem loans1.24%
20th
Net charge-offs0.86%
14th
Return on assets0.27%
15th
Loans to deposits93.2%
11th
Uninsured deposits10.3%
16th
Loan-loss reserves0.00%
50th
Texas ratio10.0%
13th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Resource One Credit UnionCredit union Dallas, TX60 out of 100, Moderate$555.2M10.4%2.33%vs
Soarion Federal Credit UnionCredit union San Antonio, TX55 out of 100, Moderate$555.6M6.8%1.01%vs
Education First Federal Credit UnionCredit union Beaumont, TX65 out of 100, Moderate$583.1M9.1%0.62%vs
Openland Credit UnionCredit union League City, TX63 out of 100, Moderate$587.9M11.1%1.09%vs
Coastlife Credit UnionCredit union Corpus Christi, TX67 out of 100, Moderate$519.7M11.7%0.89%vs
Security First Federal Credit UnionCredit union McAllen, TX68 out of 100, Moderate$516.6M11.9%1.32%vs

Deposit insurance

Is my money safe at My Community Credit Union?

Yes. My Community Credit Union is a federally insured credit union (NCUA charter #68682). 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 10.3% of shares and deposits ($50.8M) 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 10.29%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

My Community Credit Union lists 7 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
My Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68682
RSSD ID
55288
Primary regulator
State + NCUA
Established
1952
Headquarters
600 W Louisiana Ave, Midland, TX 79701
Employees
127

Quick answers

My Community Credit Union: common questions

Is My Community Credit Union NCUA insured?

Yes. My Community Credit Union is a federally insured credit union (NCUA charter #68682). 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 My Community Credit Union's TellerScore?

55 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 My Community Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Midland

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Federal Credit UnionCredit union Big Spring, TX90 out of 100, Very strong$201.9M14.6%0.13%vs
Odessa Employees Credit UnionCredit union Odessa, TX89 out of 100, Very strong$21.0M16.1%0.00%vs
Midland Municipal Employees Credit UnionCredit union Midland, TX85 out of 100, Very strong$17.1M14.9%0.44%vs
Complex Community Federal Credit UnionCredit union Odessa, TX85 out of 100, Very strong$818.2M13.8%0.59%vs
The First National Bank of StantonBank Stanton, TX85 out of 100, Very strong$394.9M17.5%1.08%vs
Southwest Heritage Credit UnionCredit union Odessa, TX83 out of 100, Strong$260.9M13.3%0.20%vs