State credit union · Midland, Texas · NCUA charter #67642
MTCU
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $134.8M
- Total assets
- 7,251
- Members
- 12.5%
- Net-worth ratio
MTCU scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $134.8M; members 7,251; net-worth ratio 12.50%; health rank #1,261 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,261 of 4,374 health · 2025Q4MTCU · health 89/100 · $134.8M · 2025Q4
Call Report peers
MTCU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MTCU vs every NCUA-scored credit union
MTCU sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Peer-gap read for MTCU
- Delinquency Rate leads the peer set - 0.32% here, 0.89% peer average (-0.57 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -0.53 pp (71.67% vs 72.20%).
Texas standing for MTCU
- Texas health ordinal: #114 of 386.
- By total assets, MTCU is #125 of 386 in Texas.
- Membership ranks #151 of 386 among Texas CUs with a reported count (7,251 members).
- One place up in Texas, Trans Texas Southwest (#113) ties at 89/100; one place down, Rave Financial (#115) ties at 89/100.
How MTCU's 5300 filing moved
MTCU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $134.8M (2025Q4) to $136.2M (2026Q1).
- Net-worth ratio shifted -0.10 pp (12.60% → 12.50%).
This credit union's 12.50% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
MTCU gives up 11 points in total. Return on Assets costs the most, 5.5 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.5 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 14.8 pts
MTCU health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.50% | +0.39 pp |
| Delinquency Rate | 0.32% | -0.57 pp |
| Return on Assets | 0.13% | -0.49 pp |
| Member Growth | 0.57% | - |
| Loan-to-Share Ratio | 71.67% | -0.53 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - MTCU
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $136.2M | - |
| 2025Q4 | $134.8M | 7,251 |
| 2024Q4 | $135.0M | 7,210 |
| 2023Q4 | $138.1M | 7,579 |
Credit Union Details
- Charter Number
- 67642
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Midland
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for MTCU.
| Office | City |
|---|---|
| MTCU (Main Office) | Midland, TX |
| MTCU Midkiff Branch | Midland, TX |
| MTCU Big Spring Street Branch | Midland, 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.
Other-state peers near MTCU
Using this data
- MTCU ranks #1,261 of 4,374 nationally on financial health and #114 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALLIED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALLIED
Frequently Asked Questions
Is MTCU financially healthy?
On its 2025Q4 NCUA 5300 filing, MTCU scores 89/100 (Excellent), with a 12.50% net worth ratio and 0.32% of loans delinquent. It ranks #1,261 of 4,374 nationally on health and #114 of 386 in Texas.
How does MTCU compare to other credit unions?
MTCU scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.32% vs 0.89%). Its widest shortfall is loan-to-share ratio (71.67% vs 72.20%).
How can I join MTCU?
Membership eligibility for MTCU depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MTCU directly for current membership requirements and application steps.
Is my money safe at MTCU?
MTCU 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. MTCU's net worth ratio of 12.50% 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.