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
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Midwest Community vs every NCUA-scored credit union
Midwest Community 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
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).
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.
- One place up in Ohio, NORTHWESTERN (#76) ties at 87/100; one place down, ABBEY (#78) ties at 87/100.
Midwest Community Call Report trajectory
Midwest Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $253.5M (2025Q4) to $258.7M (2026Q1).
- Net-worth ratio shifted +0.22 pp (8.14% → 8.36%).
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
Midwest Community gives up 13 points in total. Return on Assets costs the most, 5.3 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Midwest Community financially healthy?
Midwest Community has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,733 of 4,374 nationally on health and #77 of 196 in Ohio. Its net worth ratio is 8.36% and its delinquency rate 0.51%.
How does Midwest Community compare to other credit unions?
Midwest Community scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (75.83% vs 72.20%). Its widest shortfall is net worth ratio (8.36% vs 12.11%).
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?
Midwest Community is a federal 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. Midwest Community's net worth ratio of 8.36% 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.