State credit union · Midland, Texas · NCUA charter #68682
My Community
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $536.4M
- Total assets
- 43,097
- Members
- 10.1%
- Net-worth ratio
My Community scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $536.4M; members 43,097; net-worth ratio 10.14%; health rank #1,840 of 4,374; healthier than 57th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,840 of 4,374 health · 2025Q4My Community · health 86/100 · $536.4M · 2025Q4
- ASSETS 86/100
- MEM 10.1%
- RANK 1.57%
- PHOTO 0.41%
- BOOK $536.4M
- CHARTER 43,097
- NCUSIF #1,840/4,374
- CAMELS Arlington Community
- HEALTH 68682
Call Report peers
My Community in the assets neighbourhood
My Community's $536.4M assets sit next to Arlington Community ($535.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
My Community 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
86 Top 43% higher than 57% 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
My Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68682. See our deposit-insurance coverage note.
Where My Community diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 90.41% here, 83.90% peer average (+6.51 pp).
- Net Worth Ratio trails the peer set - 10.14% here, 11.18% peer average (-1.04 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
My Community in Texas
- Texas health ordinal: #169 of 386.
- Assets rank #62 of 386 inside Texas ($536.4M reported).
- Texas membership ordinal: #55 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
My Community Call Report trajectory
My Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $536.4M (2025Q4) to $559.3M (2026Q1).
- Net-worth ratio shifted -0.37 pp (10.51% → 10.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.7 pts
- Return on Assets 13.7 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 15.3 pts
My Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.14% | -1.04 pp |
| Delinquency Rate | 1.57% | +0.69 pp |
| Return on Assets | 0.41% | -0.10 pp |
| Member Growth | 1.89% | - |
| Loan-to-Share Ratio | 90.41% | +6.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - My Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $559.3M | - |
| 2025Q4 | $536.4M | 43,097 |
| 2024Q4 | $500.0M | 42,298 |
| 2023Q4 | $493.7M | 41,464 |
Credit Union Details
- Charter Number
- 68682
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Midland
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, My Community runs 7 offices in 4 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Midland, TX |
| Allen Branch | Allen, TX |
| Lovejoy High School Branch | Lucas, TX |
| Midkiff | Midland, TX |
| Big Spring St | Midland, TX |
| HEB Grocery Store Branch | Midland, TX |
| Odessa 42nd Street | Odessa, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
My Community's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($536.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- My Community ranks #1,840 of 4,374 nationally on financial health and #169 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Security First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Security First
- 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 My Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, My Community carries a financial health score of 86/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,840 of 4,374; by total assets it ranks #721 of 4,374 nationally (same basis as /rankings/largest); and #62 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.14% net worth ratio and a 1.57% delinquency rate.
How does My Community compare to other credit unions?
Five weighted metrics from NCUA filings produce My Community's 86/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 My Community?
Membership eligibility for My Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact My Community directly for current membership requirements and application steps.
Is my money safe at My Community?
Federal credit unions like My Community 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. My Community's net worth ratio of 10.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does My Community offer compared to banks?
Credit unions like My Community 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 My Community 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.