Credit Union Safety Analysis
Is Mid-Tex Federal Credit Union Safe? Brownwood, Texas
Based on its Q2 2026 NCUA 5300 call report, Mid-Tex Federal Credit Union has a net worth ratio of 9.20%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.90%, 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-Tex Federal Credit Union's net worth ratio is 9.20%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.20%
- Delinquency ratio (60+ days) (Q2 2026): 0.90%
- Return on assets (Q2 2026): 0.77%
- Loan-to-share ratio (Q2 2026): 62.59%
Mid-Tex Federal Credit Union (NCUA charter 24454, established 1961) reported $36.4M in assets and 3,220 members for Q2 2026 from Brownwood, Texas. It ranks 209 of 377 credit unions in Texas by total assets. Total assets grew 1.2% from $35.9M on June 30, 2025. It has 5 fewer members than on June 30, 2025 (-0.2%). Its net worth ratio was up 0.69 percentage points from 8.51% on June 30, 2025. Used vehicle loans are its largest loan category, $8.7M of $21.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.90% is above 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: 8.98% for Q1 2026; 8.51% 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: 1.05% for Q1 2026; 0.28% 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: 1.00% for Q1 2026; 0.80% 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: 62.24% for Q1 2026; 62.41% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $8.7M
- 1- to 4-family residential and other consumer real estate loans: $7.1M
- New vehicle loans: $3.3M
- Other secured non-real estate loans and lines of credit: $1.5M
- Other unsecured loans and lines of credit: $382K
- Unsecured credit card loans: $181K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $36.4M | 9.20% | 0.90% | 0.77% | 62.59% |
| March 31, 2026 | $36.9M | 8.98% | 1.05% | 1.00% | 62.24% |
| December 31, 2025 | $36.4M | 8.80% | 0.28% | 1.07% | 63.33% |
| September 30, 2025 | $36.6M | 8.63% | 1.17% | 0.83% | 62.23% |
| June 30, 2025 | $35.9M | 8.51% | 0.28% | 0.80% | 62.41% |
| March 31, 2025 | $35.7M | 8.40% | 0.40% | 0.58% | 61.45% |
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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-Tex Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24454) · FFIEC NIC profile (RSSD 725693)
Frequently asked questions
Is Mid-Tex Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mid-Tex Federal Credit Union's net worth ratio is 9.20%, above the 7% NCUA threshold for well capitalized.
Is Mid-Tex Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mid-Tex Federal Credit Union is a federally insured credit union (NCUA charter 24454): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mid-Tex Federal Credit Union's key safety ratios?
For Q2 2026, Mid-Tex Federal Credit Union reports net worth 9.20%, delinquency 0.90%, ROA 0.77%, loan-to-share 62.59%.
What happens to my money if Mid-Tex Federal Credit Union fails?
For Q2 2026, Mid-Tex Federal Credit Union held $33.7M in shares and deposits for 3,220 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.