Charter 67642 · Midland, TX
Mtcu Credit Union
Mtcu Credit Union is a state-chartered credit union in Midland, Texas, with $137 million in assets and 7,162 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.47%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $137 million
- +1.8% in a year
- Members
- 7,162
- -0.4% in a year
- Net worth ratio
- 12.47%
- Peer median 11.65%
- Loans 60+ days late
- 0.80%
- Peer median 0.70%
- Loans outstanding
- $87.6 million
- +8.2% in a year
- Shares and deposits
- $121 million
- +0.3% in a year
- Branches
- 3
- 34 employees
- Opened
- 1955
- Texas charter
How Mtcu Credit Union compares
NCUA groups credit unions by size; Mtcu Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.47% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.80%, is higher than the group median of 0.70%. Loans grew 8.2% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 123 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $137 million | 7,162 | $87.6 million | 12.47% | 0.80% |
| Q1 2026 | $136 million | 7,306 | $86.2 million | 12.50% | 0.89% |
| Q4 2025 | $135 million | 7,251 | $85.4 million | 12.60% | 0.32% |
| Q3 2025 | $135 million | 7,224 | $82.8 million | 12.43% | 0.42% |
| Q2 2025 | $135 million | 7,191 | $80.9 million | 12.34% | 0.48% |
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 437,915 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Mtcu Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- MTCU (main office)
1505 N Midland Dr, Midland, TX 79703 - MTCU Midkiff Branch
4717 N Midkiff Rd, Midland, TX 79705 - MTCU Big Spring Street Branch
3100 N Big Spring St, Midland, TX 79705
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