Credit Union Safety Analysis
Is Mid-Cities Credit Union Safe? Compton, California
Based on its Q2 2026 NCUA 5300 call report, Mid-Cities Credit Union has a net worth ratio of 7.11%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.69%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Mid-Cities Credit Union's net worth ratio is 7.11%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.11%
- Delinquency ratio (60+ days) (Q2 2026): 0.69%
- Return on assets (Q2 2026): 0.01%
- Loan-to-share ratio (Q2 2026): 35.67%
Mid-Cities Credit Union (NCUA charter 95073, established 1937) reported $16.0M in assets and 2,270 members for Q2 2026 from Compton, California. It ranks 216 of 238 credit unions in California by total assets. Total assets fell 3.1% from $16.5M on June 30, 2025. It has 428 fewer members than on June 30, 2025 (-15.9%). Its net worth ratio was down 0.63 percentage points from 7.74% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.3M of $5.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.69% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 6.97% for Q1 2026; 7.74% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.27% for Q1 2026; 3.10% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.01% for Q1 2026; -0.42% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 29.23% for Q1 2026; 32.88% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.3M
- Used vehicle loans: $762K
- New vehicle loans: $456K
- Unsecured credit card loans: $395K
- Other unsecured loans and lines of credit: $284K
- Other secured non-real estate loans and lines of credit: $30K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $16.0M | 7.11% | 0.69% | 0.01% | 35.67% |
| March 31, 2026 | $16.3M | 6.97% | 1.27% | 0.01% | 29.23% |
| December 31, 2025 | $15.7M | 7.22% | 2.87% | -1.47% | 32.71% |
| September 30, 2025 | $15.8M | 7.70% | 2.98% | -1.46% | 33.88% |
| June 30, 2025 | $16.5M | 7.74% | 3.10% | -0.42% | 32.88% |
| March 31, 2025 | $17.0M | 7.60% | 2.74% | 0.02% | 34.53% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Mid-Cities Credit Union profile
Regulator records: NCUA credit union profile (charter 95073) · FFIEC NIC profile (RSSD 195090)
Frequently asked questions
Is Mid-Cities Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mid-Cities Credit Union's net worth ratio is 7.11%, above the 7% NCUA threshold for well capitalized.
Is Mid-Cities Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mid-Cities Credit Union is a federally insured credit union (NCUA charter 95073): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mid-Cities Credit Union's key safety ratios?
For Q2 2026, Mid-Cities Credit Union reports net worth 7.11%, delinquency 0.69%, ROA 0.01%, loan-to-share 35.67%.
What happens to my money if Mid-Cities Credit Union fails?
For Q2 2026, Mid-Cities Credit Union held $14.6M in shares and deposits for 2,270 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.