Charter 9522 · Defiance, OH
Midwest Community Federal Credit Union
Midwest Community Federal Credit Union is a federally chartered credit union in Defiance, Ohio, with $267 million in assets and 14,521 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.50%, above the 7% that NCUA's rules treat as well capitalized.
Also does business as MCFCU, Midwest Community FCU.
- Total assets
- $267 million
- +7.1% in a year
- Members
- 14,521
- +3.1% in a year
- Net worth ratio
- 8.50%
- Peer median 11.65%
- Loans 60+ days late
- 1.05%
- Peer median 0.70%
- Loans outstanding
- $190 million
- +6.4% in a year
- Shares and deposits
- $247 million
- +6.4% in a year
- Branches
- 3
- 62 employees
- Opened
- 1954
- Federal charter
How Midwest Community Federal Credit Union compares
NCUA groups credit unions by size; Midwest Community Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 8.50% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.05%, is higher than the group median of 0.70%. Loans grew 6.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 37 of 192 credit unions headquartered in Ohio. See all Ohio credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $267 million | 14,521 | $190 million | 8.50% | 1.05% |
| Q1 2026 | $259 million | 14,327 | $181 million | 8.36% | 0.60% |
| Q4 2025 | $253 million | 14,189 | $177 million | 8.14% | 0.51% |
| Q3 2025 | $248 million | 14,145 | $178 million | 8.02% | 0.80% |
| Q2 2025 | $250 million | 14,080 | $178 million | 7.78% | 0.60% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 143,737 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Midwest Community Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
8770 N State Route 66, Defiance, OH 43512 - Napoleon Office
1429 Scott St, Napoleon, OH 43545 - Bryan Office
221 N Main St, Bryan, OH 43506
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology