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
Call Report peers
My Community in the assets neighbourhood
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My Community vs every NCUA-scored credit union
My Community sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Texas, Government Employees (#168) ties at 86/100; one place down, Tarrant County's Credit Union (#170) ties at 86/100.
My Community Call Report trajectory
My Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $536.4M (2025Q4) to $559.3M (2026Q1).
- Net-worth ratio shifted -0.37 pp (10.51% → 10.14%).
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
My Community gives up 14 points in total. Delinquency Rate costs the most, 9.3 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is My Community financially healthy?
My Community has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,840 of 4,374 nationally on health and #169 of 386 in Texas. Its net worth ratio is 10.14% and its delinquency rate 1.57%.
How does My Community compare to other credit unions?
My Community scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.41% vs 83.90%). Its widest shortfall is net worth ratio (10.14% vs 11.18%).
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?
My Community 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. My Community's net worth ratio of 10.14% 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.