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
Call Report peers
Midland Municipal Employees in the assets neighbourhood
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Midland Municipal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Midland Municipal Employees sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Texas, AMERICA'S (#262) ties at 78/100; one place down, A+ (#264) ties at 78/100.
Midland Municipal Employees: 2025Q4 → 2026Q1
Midland Municipal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.9% from $17.1M (2025Q4) to $16.9M (2026Q1).
- Net-worth ratio shifted +0.28 pp (14.60% → 14.88%).
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
Midland Municipal Employees gives up 22 points in total. Member Growth costs the most, 10.3 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Midland Municipal Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Midland Municipal Employees scores 78/100 (Very Good), with a 14.88% net worth ratio and 0.04% of loans delinquent. It ranks #2,955 of 4,374 nationally on health and #263 of 386 in Texas.
How does Midland Municipal Employees compare to other credit unions?
Midland Municipal Employees scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.04% vs 1.15%). Its widest shortfall is loan-to-share ratio (30.84% vs 59.80%).
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?
Midland Municipal Employees 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 Municipal Employees's net worth ratio of 14.88% 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.