State credit union · Wichita Falls, Texas · NCUA charter #67549
Midwestern State University
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $4.8M
- Total assets
- 899
- Members
- 14.9%
- Net-worth ratio
Midwestern State University scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.8M; members 899; net-worth ratio 14.86%; health rank #596 of 4,374; healthier than 84th of scored peers.
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#596 of 4,374 health · 2025Q4Midwestern State University · health 93/100 · $4.8M · 2025Q4
Call Report peers
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Midwestern State University vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Midwestern State University sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Midwestern State University
- Largest favorable gap: Delinquency Rate at 0.29% vs peer 1.81% (-1.52 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.20 pp (14.86% vs 19.06%).
Midwestern State University in Texas
- Health composite ranks #54 of 386 among scored Texas credit unions.
- Assets rank #345 of 386 inside Texas ($4.8M reported).
- Membership ranks #325 of 386 among Texas CUs with a reported count (899 members).
- One place up in Texas, Marshall T & P Employees (#53) ties at 93/100; one place down, Texas Plains (#55) ties at 93/100.
Midwestern State University Call Report trajectory
Midwestern State University: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $4.8M (2025Q4) to $4.8M (2026Q1).
- Net-worth ratio shifted -0.02 pp (14.88% → 14.86%).
14.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Midwestern State University gives up 7 points in total. Member Growth costs the most, 4 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 14.1 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 12.9 pts
Midwestern State University vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.86% | -4.20 pp |
| Delinquency Rate | 0.29% | -1.52 pp |
| Return on Assets | 0.44% | -0.01 pp |
| Member Growth | 1.70% | - |
| Loan-to-Share Ratio | 59.62% | -3.98 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.8M | - |
| 2025Q4 | $4.8M | 899 |
| 2024Q4 | $5.0M | 884 |
| 2023Q4 | $5.5M | 893 |
Credit Union Details
- Charter Number
- 67549
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Wichita Falls
- Data Quarter
- 2025Q4
Branch Locations (3)
Midwestern State University operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Midwestern State University Credit Union (Main Office) | Wichita Falls, TX |
| President's Home | Iowa Park, TX |
| Midwestern State University Credit Union | Wichita Falls, 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 Midwestern State University
Similar health score
Using this data
- Midwestern State University ranks #596 of 4,374 nationally on financial health and #54 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- REDEEMER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with REDEEMER
Frequently Asked Questions
Is Midwestern State University financially healthy?
Midwestern State University has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #596 of 4,374 nationally on health and #54 of 386 in Texas. Its net worth ratio is 14.86% and its delinquency rate 0.29%.
How does Midwestern State University compare to other credit unions?
Midwestern State University scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.29% vs 1.81%). Its widest shortfall is net worth ratio (14.86% vs 19.06%).
How can I join Midwestern State University?
Membership eligibility for Midwestern State University depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Midwestern State University directly for current membership requirements and application steps.
Is my money safe at Midwestern State University?
Midwestern State University 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. Midwestern State University's net worth ratio of 14.86% 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.