Federal credit union · Compton, California · NCUA charter #95073
MID-CITIES
Health score 38/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 38
- Health / 100
- $15.7M
- Total assets
- 2,561
- Members
- 7.0%
- Net-worth ratio
MID-CITIES scores 38/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.7M; members 2,561; net-worth ratio 6.97%; health rank #4,349 of 4,374; healthier than 1st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,349 of 4,374 health · 2025Q4MID-CITIES · health 38/100 · $15.7M · 2025Q4
- CAMELS 38/100
- HEALTH 7.0%
- NW 2.87%
- DELQ -1.92%
- ROA $15.7M
- ASSETS 2,561
- MEM #4,349/4,374
- RANK Virginia United Methodist
- PHOTO 95073
Call Report peers
MID-CITIES in the assets neighbourhood
MID-CITIES's $15.7M assets sit next to Virginia United Methodist ($15.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MID-CITIES vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
38 1st percentile higher than 1% 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-CITIES - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #95073: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where MID-CITIES diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 32.71% vs peer 59.80% (-27.09 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MID-CITIES in California
- In California, health place is #242 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, MID-CITIES is #218 of 243 in California.
- Member book place in California: #188 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
MID-CITIES: 2025Q4 → 2026Q1
MID-CITIES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $15.7M (2025Q4) to $16.3M (2026Q1).
- Net-worth ratio shifted -0.25 pp (7.22% → 6.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 6.97%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 38/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 38.
- Net Worth Ratio 22.3 pts
- Delinquency Rate 7.1 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.6 pts
Call Report ratios for MID-CITIES
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.97% | -7.89 pp |
| Delinquency Rate | 2.87% | +1.72 pp |
| Return on Assets | -1.92% | -2.63 pp |
| Member Growth | -10.80% | - |
| Loan-to-Share Ratio | 32.71% | -27.09 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - MID-CITIES
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.3M | - |
| 2025Q4 | $15.7M | 2,561 |
| 2024Q4 | $17.6M | 2,871 |
| 2023Q4 | $18.5M | 3,423 |
Credit Union Details
- Charter Number
- 95073
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- California
- City
- Compton
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for MID-CITIES.
| Office | City |
|---|---|
| Office (Main Office) | Compton, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for MID-CITIES - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (38/100 here).
Using this data
- MID-CITIES ranks #4,349 of 4,374 nationally on financial health and #242 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Beverly Hills City Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Beverly Hills City Employees
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MID-CITIES financially healthy?
MID-CITIES scores 38/100 (Weak) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,349 of 4,374; by total assets it ranks #3,300 of 4,374 nationally (same basis as /rankings/largest); and #218 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 6.97% net worth ratio and a 2.87% delinquency rate.
How does MID-CITIES compare to other credit unions?
MID-CITIES scores 38/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join MID-CITIES?
Membership eligibility for MID-CITIES depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MID-CITIES directly for current membership requirements and application steps.
Is my money safe at MID-CITIES?
Federal credit unions like MID-CITIES are 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-CITIES's net worth ratio of 6.97% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does MID-CITIES offer compared to banks?
Credit unions like MID-CITIES are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MID-CITIES directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.