State credit union · URBANDALE, Iowa · NCUA charter #61918
MIDLAND
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $97.4M
- Total assets
- 6,588
- Members
- 11.6%
- Net-worth ratio
MIDLAND scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $97.4M; members 6,588; net-worth ratio 11.64%; health rank #1,663 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,663 of 4,374 health · 2025Q4MIDLAND · health 87/100 · $97.4M · 2025Q4
- CHARTER 87/100
- NCUSIF 11.6%
- CAMELS 0.60%
- HEALTH 0.56%
- NW $97.4M
- DELQ 6,588
- ROA #1,663/4,374
- ASSETS Coastal Community
- MEM 61918
Call Report peers
MIDLAND in the assets neighbourhood
MIDLAND's $97.4M assets sit next to Coastal Community ($97.6M) 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.
MIDLAND 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
MIDLAND - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61918 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
MIDLAND vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +17.15 pp (79.75% vs 62.60%).
- Largest lag: Net Worth Ratio at 11.64% vs peer 13.62% (-1.98 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MIDLAND: in-state Call Report ranks
- Health composite ranks #29 of 66 among scored Iowa credit unions.
- By total assets, MIDLAND is #29 of 66 in Iowa.
- Iowa membership ordinal: #32 of 66.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How MIDLAND's 5300 filing moved
MIDLAND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $97.4M (2025Q4) to $100.5M (2026Q1).
- Net-worth ratio shifted -0.10 pp (11.74% → 11.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action 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 30.0 pts
- Delinquency Rate 24.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 14.6 pts
MIDLAND vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.64% | -1.98 pp |
| Delinquency Rate | 0.60% | -0.36 pp |
| Return on Assets | 0.56% | -0.10 pp |
| Member Growth | -3.09% | - |
| Loan-to-Share Ratio | 79.75% | +17.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $100.5M | - |
| 2025Q4 | $97.4M | 6,588 |
| 2024Q4 | $96.6M | 6,798 |
| 2023Q4 | $81.0M | 5,095 |
Credit Union Details
- Charter Number
- 61918
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Iowa
- City
- URBANDALE
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, MIDLAND runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Midland Credit Union (Main Office) | URBANDALE, IA |
| Bondurant | Bondurant, IA |
| Council Bluffs | Council Bluffs, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Other-state peers near MIDLAND
Two NCUA Call Report peer sets for MIDLAND, both outside Iowa 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 ($97.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- MIDLAND ranks #1,663 of 4,374 nationally on financial health and #29 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SERVE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SERVE
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 MIDLAND financially healthy?
A 11.64% net worth ratio and a 0.60% delinquency rate feed into MIDLAND's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,663 of 4,374; by total assets it ranks #1,844 of 4,374 nationally (same basis as /rankings/largest); and #29 of 66 within Iowa. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MIDLAND compare to other credit unions?
MIDLAND scores 87/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 MIDLAND?
Membership eligibility for MIDLAND depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MIDLAND directly for current membership requirements and application steps.
Is my money safe at MIDLAND?
Federal credit unions like MIDLAND 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. MIDLAND's net worth ratio of 11.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MIDLAND offer compared to banks?
Credit unions like MIDLAND 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 MIDLAND 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.