State credit union · Midland, Texas · NCUA charter #67475
Midland Municipal Employees
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $17.1M
- Total assets
- 1,300
- Members
- 14.9%
- Net-worth ratio
Midland Municipal Employees scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.1M; members 1,300; net-worth ratio 14.88%; health rank #2,955 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,955 of 4,374 health · 2025Q4Midland Municipal Employees · health 78/100 · $17.1M · 2025Q4
- PHOTO 78/100
- BOOK 14.9%
- CHARTER 0.04%
- NCUSIF 0.12%
- CAMELS $17.1M
- HEALTH 1,300
- NW #2,955/4,374
- DELQ FLEUR-DE-LIS
- ROA 67475
Call Report peers
Midland Municipal Employees in the assets neighbourhood
Midland Municipal Employees's $17.1M assets sit next to FLEUR-DE-LIS ($17.0M) 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 Municipal Employees 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
78 31st percentile higher than 31% 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 Municipal Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67475: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Midland Municipal Employees diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.11 pp (0.04% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -28.96 pp (30.84% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Midland Municipal Employees
- Health composite ranks #263 of 386 among scored Texas credit unions.
- Texas assets place: #270 of 386.
- Texas membership ordinal: #298 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Midland Municipal Employees: 2025Q4 → 2026Q1
Midland Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.9% from $17.1M (2025Q4) to $16.9M (2026Q1).
- Net-worth ratio shifted +0.28 pp (14.60% → 14.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.3 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 9.0 pts
Midland Municipal Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.88% | +0.02 pp |
| Delinquency Rate | 0.04% | -1.11 pp |
| Return on Assets | 0.12% | -0.59 pp |
| Member Growth | -2.40% | - |
| Loan-to-Share Ratio | 30.84% | -28.96 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).
Call Report history - Midland Municipal Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.9M | - |
| 2025Q4 | $17.1M | 1,300 |
| 2024Q4 | $17.4M | 1,332 |
| 2023Q4 | $17.4M | 1,312 |
Credit Union Details
- Charter Number
- 67475
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Midland
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Midland Municipal Employees runs one office.
| Office | City |
|---|---|
| Midland Municipal Employees Credit Union (Main Office) | Midland, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for Midland Municipal Employees
Two NCUA Call Report peer sets for Midland Municipal Employees, 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 ($17.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Midland Municipal Employees ranks #2,955 of 4,374 nationally on financial health and #263 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TXDOT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TXDOT
- 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 Midland Municipal Employees financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Midland Municipal Employees'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 #2,955 of 4,374; by total assets it ranks #3,239 of 4,374 nationally (same basis as /rankings/largest); and #270 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.88% net worth ratio and 0.04% delinquency rate are the key drivers.
How does Midland Municipal Employees compare to other credit unions?
On PlainCU's health composite, Midland Municipal Employees lands at 78/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Municipal Employees?
Membership eligibility for Midland Municipal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Midland Municipal Employees directly for current membership requirements and application steps.
Is my money safe at Midland Municipal Employees?
Federal credit unions like Midland Municipal Employees 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 Municipal Employees's net worth ratio of 14.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Midland Municipal Employees offer compared to banks?
Credit unions like Midland Municipal Employees 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 Municipal Employees 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.