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
- BOOK 87/100
- CHARTER 9.0%
- NCUSIF 0.28%
- CAMELS 0.49%
- HEALTH $36.4M
- NW 3,175
- DELQ #1,724/4,374
- ROA Knoxville Firefighters
- ASSETS 24454
Call Report peers
MID-TEX in the assets neighbourhood
MID-TEX's $36.4M assets sit next to Knoxville Firefighters ($36.4M) 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-TEX 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
87 Top 40% higher than 60% 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-TEX - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24454, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for MID-TEX
MID-TEX: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $36.4M (2025Q4) to $36.9M (2026Q1).
- Net-worth ratio shifted +0.18 pp (8.80% → 8.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
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).
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
Two NCUA Call Report peer sets for MID-TEX, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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-TEX financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - MID-TEX's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,724 of 4,374; by total assets it ranks #2,688 of 4,374 nationally (same basis as /rankings/largest); and #213 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.98% net worth ratio and 0.28% delinquency rate are the key drivers.
How does MID-TEX compare to other credit unions?
PlainCU's health composite puts MID-TEX at 87/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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-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?
Federal credit unions like MID-TEX 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-TEX's net worth ratio of 8.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MID-TEX offer compared to banks?
Credit unions like MID-TEX 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-TEX 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.