Federal credit union · Defiance, Ohio · NCUA charter #9522
Midwest Community
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $253.5M
- Total assets
- 14,189
- Members
- 8.4%
- Net-worth ratio
Midwest Community scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $253.5M; members 14,189; net-worth ratio 8.36%; health rank #1,733 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,733 of 4,374 health · 2025Q4Midwest Community · health 87/100 · $253.5M · 2025Q4
- CAMELS 87/100
- HEALTH 8.4%
- NW 0.51%
- DELQ 0.14%
- ROA $253.5M
- ASSETS 14,189
- MEM #1,733/4,374
- RANK Illiana Financial
- PHOTO 9522
Midwest Community in the assets neighbourhood
Midwest Community's $253.5M assets sit next to Illiana Financial ($253.5M) 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.
Midwest Community 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
Midwest Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9522, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Midwest Community vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 75.83% vs peer 72.20% (+3.63 pp).
- Net Worth Ratio trails the peer set - 8.36% here, 12.11% peer average (-3.75 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Midwest Community: in-state Call Report ranks
- Ohio health ordinal: #77 of 196.
- Assets rank #37 of 196 inside Ohio ($253.5M reported).
- Ohio membership ordinal: #51 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Midwest Community Call Report trajectory
Midwest Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $253.5M (2025Q4) to $258.7M (2026Q1).
- Net-worth ratio shifted +0.22 pp (8.14% → 8.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.36% 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 25.9 pts
- Delinquency Rate 24.9 pts
- Return on Assets 9.7 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 14.8 pts
Midwest Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.36% | -3.75 pp |
| Delinquency Rate | 0.51% | -0.39 pp |
| Return on Assets | 0.14% | -0.48 pp |
| Member Growth | 2.24% | - |
| Loan-to-Share Ratio | 75.83% | +3.63 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Midwest Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $258.7M | - |
| 2025Q4 | $253.5M | 14,189 |
| 2024Q4 | $244.2M | 13,878 |
| 2023Q4 | $234.1M | 13,743 |
Credit Union Details
- Charter Number
- 9522
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Defiance
- Data Quarter
- 2025Q4
Branch Locations (3)
Midwest Community operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Defiance, OH |
| Bryan Office | Bryan, OH |
| Napoleon Office | Napoleon, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Other-state peers near Midwest Community
Two NCUA Call Report peer sets for Midwest Community, both outside Ohio 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 ($253.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Midwest Community ranks #1,733 of 4,374 nationally on financial health and #77 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BRIDGE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BRIDGE
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 Midwest Community financially healthy?
Midwest Community has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,733 of 4,374; by total assets it ranks #1,132 of 4,374 nationally (same basis as /rankings/largest); and #37 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.36% and delinquency rate of 0.51%.
How does Midwest Community compare to other credit unions?
Midwest Community scores 87/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Midwest Community?
Midwest Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Midwest Community directly for the exact boundaries and application steps.
Is my money safe at Midwest Community?
Federal credit unions like Midwest Community 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. Midwest Community's net worth ratio of 8.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Midwest Community offer compared to banks?
Credit unions like Midwest Community 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 Midwest Community 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.