State credit union · URBANDALE, Iowa · NCUA charter #61918
Midland
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $97.4M
- Total assets
- 6,588
- Members
- 5.2%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)43
- Asset quality (delinquency)96
- Earnings (ROA)100
- Member growth23
- Liquidity (loan-to-share)100
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
5.19% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.19% | 30% |
| Delinquency Rate | 0.60% | 25% |
| Return on Assets | 0.56% | 15% |
| Member Growth | -3.09% | 15% |
| Loan-to-Share Ratio | 79.75% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Midland
Midland is a state credit union headquartered in URBANDALE, Iowa, serving 6,588 members with $97.4M in total assets and $64.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 70/100 (Very Good), anchored by a net worth ratio of 5.19% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #61918 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 0.60% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 79.75% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.56% on net income of $544K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.09%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Midland financially healthy?
A 5.19% net worth ratio and a 0.60% delinquency rate feed into Midland's financial health score of 70/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Midland compare to other credit unions?
Midland scores 70/100 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 5.19% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.