State credit union · Wichita Falls, Texas · NCUA charter #67549

Midwestern State University

Health score 93/100 (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 - Share Insurance Coverage

Charter #67549's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.

NCUSIF coverage gauge for Midwestern State University Share insurance under NCUSIF covers up to $250,000 per share owner. Midwestern State University holds approximately $4.0M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 14.9 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 14.9% · $4.0M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Midwestern State University - Five Health Pillars

Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.

  • Capital (net worth ratio) 14.88% 30% weight
  • Asset quality (delinquency) 0.29% 25% weight
  • Earnings (ROA) 0.44% 15% weight
  • Member growth 1.70% 15% weight
  • Liquidity (loan-to-share) 60% 15% weight

Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 99.2%

14.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

$4.8M
Total Assets
899
Members
$2.4M
Total Loans
$4.0M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 14.88% 30%
Delinquency Rate 0.29% 25%
Return on Assets 0.44% 15%
Member Growth 1.70% 15%
Loan-to-Share Ratio 59.62% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About Midwestern State University

Charter #67549, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Midwestern State University, a state credit union in Wichita Falls, Texas with 899 members, $4.8M in total assets, and $2.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 93/100 (Excellent), helped by a net worth ratio of 14.88% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Deposits deployed into lending sit at a 59.62% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.29% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 0.44% on net income of $21K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by 1.70%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.

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Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Midwestern State University financially healthy?

Based on NCUA 5300 Call Report data as of Q4 2025, Midwestern State University carries a financial health score of 93/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.88% net worth ratio and a 0.29% delinquency rate.

How does Midwestern State University compare to other credit unions?

PlainCU's health composite puts Midwestern State University at 93/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?

Federal credit unions like Midwestern State University 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. Midwestern State University's net worth ratio of 14.88% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Midwestern State University offer compared to banks?

Credit unions like Midwestern State University 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 Midwestern State University directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology - how this data is sourced, computed, and verified.

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.