Federal credit union · BROWNWOOD, Texas · NCUA charter #24454
MID-TEX
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $36.4M
- Total assets
- 3,175
- Members
- 9.0%
- Net-worth ratio
MID-TEX scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.4M; members 3,175; net-worth ratio 8.98%; health rank #1,724 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,724 of 4,374 health · 2025Q4MID-TEX · health 87/100 · $36.4M · 2025Q4
Call Report peers
MID-TEX in the assets neighbourhood
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MID-TEX vs every NCUA-scored credit union
MID-TEX sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where MID-TEX diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 63.33% vs peer 59.80% (+3.53 pp).
- Largest lag: Net Worth Ratio at 8.98% vs peer 14.86% (-5.88 pp).
MID-TEX in Texas
- In Texas, health place is #154 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, MID-TEX is #213 of 386 in Texas.
- Membership ranks #210 of 386 among Texas CUs with a reported count (3,175 members).
- One place up in Texas, CY-FAIR (#153) ties at 87/100; one place down, Port of Houston (#155) scores 86/100, 1 point lower.
Quarter path for MID-TEX
MID-TEX: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $36.4M (2025Q4) to $36.9M (2026Q1).
- Net-worth ratio shifted +0.18 pp (8.80% → 8.98%).
At 8.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
MID-TEX gives up 13 points in total. Member Growth costs the most, 8.8 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.8 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 13.5 pts
MID-TEX vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.98% | -5.88 pp |
| Delinquency Rate | 0.28% | -0.86 pp |
| Return on Assets | 0.49% | -0.22 pp |
| Member Growth | -1.55% | - |
| Loan-to-Share Ratio | 63.33% | +3.53 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
MID-TEX quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.9M | - |
| 2025Q4 | $36.4M | 3,175 |
| 2024Q4 | $34.9M | 3,225 |
| 2023Q4 | $34.9M | 3,194 |
Credit Union Details
- Charter Number
- 24454
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- BROWNWOOD
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, MID-TEX runs one office.
| Office | City |
|---|---|
| MAIN (Main Office) | BROWNWOOD, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
MID-TEX nationwide neighbourhoods
Similar total assets
Using this data
- MID-TEX ranks #1,724 of 4,374 nationally on financial health and #154 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Port Arthur Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Port Arthur Teachers
Frequently Asked Questions
Is MID-TEX financially healthy?
On its 2025Q4 NCUA 5300 filing, MID-TEX scores 87/100 (Excellent), with a 8.98% net worth ratio and 0.28% of loans delinquent. It ranks #1,724 of 4,374 nationally on health and #154 of 386 in Texas.
How does MID-TEX compare to other credit unions?
MID-TEX scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (63.33% vs 59.80%). Its widest shortfall is net worth ratio (8.98% vs 14.86%).
How can I join MID-TEX?
MID-TEX operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact MID-TEX directly for the exact boundaries and application steps.
Is my money safe at MID-TEX?
MID-TEX is a federal 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-TEX's net worth ratio of 8.98% 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.