Credit Union Safety Analysis
Is Midland Credit Union Safe? Urbandale, Iowa
Based on its Q2 2026 NCUA 5300 call report, Midland Credit Union has a net worth ratio of 11.85%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.60%, 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, Midland Credit Union's net worth ratio is 11.85%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.85%
- Delinquency ratio (60+ days) (Q2 2026): 0.60%
- Return on assets (Q2 2026): 1.16%
- Loan-to-share ratio (Q2 2026): 80.14%
Midland Credit Union (NCUA charter 61918, established 1933) reported $101.2M in assets and 6,527 members for Q2 2026 from Urbandale, Iowa. It ranks 30 of 65 credit unions in Iowa by total assets. Total assets grew 1.2% from $99.9M on June 30, 2025. It has 208 fewer members than on June 30, 2025 (-3.1%). Its net worth ratio was up 0.99 percentage points from 10.86% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $29.8M of $67.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.60% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.64% for Q1 2026; 10.86% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.47% for Q1 2026; 0.57% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.01% for Q1 2026; 0.99% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 78.72% for Q1 2026; 73.40% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $29.8M
- Used vehicle loans: $20.5M
- New vehicle loans: $8.2M
- Commercial loans: $4.3M
- Unsecured credit card loans: $2.1M
- Other unsecured loans and lines of credit: $1.5M
- Other secured non-real estate loans and lines of credit: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $101.2M | 11.85% | 0.60% | 1.16% | 80.14% |
| March 31, 2026 | $100.5M | 11.64% | 0.47% | 1.01% | 78.72% |
| December 31, 2025 | $97.4M | 11.74% | 0.60% | 0.93% | 79.75% |
| September 30, 2025 | $99.7M | 11.25% | 0.82% | 1.43% | 74.62% |
| June 30, 2025 | $99.9M | 10.86% | 0.57% | 0.99% | 73.40% |
| March 31, 2025 | $100.7M | 10.54% | 1.33% | 0.29% | 72.06% |
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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.
Regulator records: NCUA credit union profile (charter 61918) · FFIEC NIC profile (RSSD 816591)
Frequently asked questions
Is Midland Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Midland Credit Union's net worth ratio is 11.85%, above the 7% NCUA threshold for well capitalized.
Is Midland Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Midland Credit Union is a federally insured credit union (NCUA charter 61918): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Midland Credit Union's key safety ratios?
For Q2 2026, Midland Credit Union reports net worth 11.85%, delinquency 0.60%, ROA 1.16%, loan-to-share 80.14%.
What happens to my money if Midland Credit Union fails?
For Q2 2026, Midland Credit Union held $84.3M in shares and deposits for 6,527 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.