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
Call Report peers
MIDLAND in the assets neighbourhood
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
MIDLAND 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
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 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).
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.
- One place up in Iowa, Des Moines Metro (#28) ties at 87/100; one place down, Dutrac Community (#30) ties at 87/100.
How MIDLAND's 5300 filing moved
MIDLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $97.4M (2025Q4) to $100.5M (2026Q1).
- Net-worth ratio shifted -0.10 pp (11.74% → 11.64%).
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
MIDLAND gives up 13 points in total. Member Growth costs the most, 11.6 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is MIDLAND financially healthy?
MIDLAND has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,663 of 4,374 nationally on health and #29 of 66 in Iowa. Its net worth ratio is 11.64% and its delinquency rate 0.60%.
How does MIDLAND compare to other credit unions?
MIDLAND scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (79.75% vs 62.60%). Its widest shortfall is net worth ratio (11.64% vs 13.62%).
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?
MIDLAND 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. MIDLAND's net worth ratio of 11.64% 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.