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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#596 of 4,374 health · 2025Q4Midwestern State University · health 93/100 · $4.8M · 2025Q4
- ROA 93/100
- ASSETS 14.9%
- MEM 0.29%
- RANK 0.44%
- PHOTO $4.8M
- BOOK 899
- CHARTER #596/4,374
- NCUSIF n/a
- CAMELS 67549
Call Report peers
Midwestern State University carries $4.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Midwestern State University 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
93 Top 16% higher than 84% 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
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.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Midwestern State University Call Report trajectory
Midwestern State University: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $4.8M (2025Q4) to $4.8M (2026Q1).
- Net-worth ratio shifted -0.02 pp (14.88% → 14.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Midwestern State University's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #596 of 4,374; by total assets it ranks #3,906 of 4,374 nationally (same basis as /rankings/largest); and #345 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.86% 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 14.86% 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.
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.