State credit union · Wichita, Kansas · NCUA charter #65378
Mid American
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $511.2M
- Total assets
- 46,661
- Members
- 9.0%
- Net-worth ratio
Mid American scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $511.2M; members 46,661; net-worth ratio 9.03%; health rank #2,480 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,480 of 4,374 health · 2025Q4Mid American · health 82/100 · $511.2M · 2025Q4
Call Report peers
Mid American in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mid American vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Mid American sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Mid American vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 108.77% here, 83.90% peer average (+24.87 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.15 pp (9.03% vs 11.18%).
Kansas standing for Mid American
- In Kansas, health place is #33 of 61 on the same NCUA-ratio sort used nationally.
- Kansas assets place: #8 of 61.
- Member book place in Kansas: #7 of 61.
- One place up in Kansas, Kansas Teachers Community (#32) ties at 82/100; one place down, Catholic Family (#34) ties at 82/100.
How Mid American's 5300 filing moved
Mid American: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $511.2M (2025Q4) to $521.0M (2026Q1).
- Net-worth ratio shifted +0.07 pp (8.96% → 9.03%).
This credit union's 9.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Mid American gives up 18 points in total. Loan-to-Share Ratio costs the most, 7.8 of its 15; Delinquency Rate loses the least, 0.2.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 24.8 pts
- Return on Assets 11.5 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 6.9 pts
Call Report ratios for Mid American
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.03% | -2.15 pp |
| Delinquency Rate | 0.52% | -0.36 pp |
| Return on Assets | 0.26% | -0.24 pp |
| Member Growth | 1.81% | - |
| Loan-to-Share Ratio | 108.77% | +24.87 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $521.0M | - |
| 2025Q4 | $511.2M | 46,661 |
| 2024Q4 | $455.1M | 45,830 |
| 2023Q4 | $422.7M | 44,726 |
Credit Union Details
- Charter Number
- 65378
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Kansas
- City
- Wichita
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, Mid American runs 11 offices in 6 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Wichita, KS |
| Arkansas City Branch | Arkansas City, KS |
| Larned | Larned, KS |
| Lawrence Branch | Lawrence, KS |
| JACK HENRY - SYMITAR | MONETT, MO |
| Overland Park Branch | Overland Park, KS |
| Sedgwick County | Wichita, KS |
| South Branch Office | Wichita, KS |
| UNDERGROUND VAULTS | Wichita, KS |
| NE Branch Office | Wichita, KS |
| East Branch | Wichita, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
More federally-insured credit unions based in Kansas, ordered by peer group match and asset size.
Mid American nationwide neighbourhoods
Similar total assets
Using this data
- Mid American ranks #2,480 of 4,374 nationally on financial health and #33 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ENVISTA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ENVISTA
Frequently Asked Questions
Is Mid American financially healthy?
On its 2025Q4 NCUA 5300 filing, Mid American scores 82/100 (Excellent), with a 9.03% net worth ratio and 0.52% of loans delinquent. It ranks #2,480 of 4,374 nationally on health and #33 of 61 in Kansas.
How does Mid American compare to other credit unions?
Mid American scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (108.77% vs 83.90%). Its widest shortfall is net worth ratio (9.03% vs 11.18%).
How can I join Mid American?
Membership eligibility for Mid American depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mid American directly for current membership requirements and application steps.
Is my money safe at Mid American?
Mid American is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Mid American's net worth ratio of 9.03% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.