Midwestern State University Credit Union Wichita Falls, Texas
Midwestern State University Credit Union is a state-chartered credit union headquartered in Wichita Falls, TX (NCUA charter 67549), and it is regulated and insured by the NCUA. At Q2 2026 it reported 903 members and total assets of $4.3M (down 12.9% from Q2 2025), the 341st largest of 377 credit unions headquartered in Texas. Its net worth ratio was 16.26% at Q2 2026, in the well capitalized band.
Also written as Midwestern State University CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67549
- Headquarters
- Wichita Falls, TX
- Established
- Not reported
- Total assets, Q2 2026
- $4.3M
- Assets vs Q2 2025
- -12.9%
- Members, Q2 2026
- 903
- Net worth ratio, Q2 2026
- 16.26%
- Latest call report
- Q2 2026, NCUA 5300 · Midwestern State University Credit Union call report
- Asset rank in state
- 341st of 377 in Texas
- Routing number
- 311990265
- Branches
- 3
It has 18 more members than on June 30, 2025 (+2.0%). Its net worth ratio was up 2.15 percentage points from 14.11% on June 30, 2025. New vehicle loans are its largest loan category, $588K of $2.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.47% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.26% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Midwestern State University Credit Union
How big is Midwestern State University Credit Union?
At Q2 2026 it reported total assets of $4.3M and 903 members.
Where is Midwestern State University Credit Union headquartered?
It is headquartered in Wichita Falls, TX, United States.
Is Midwestern State University Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67549): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Midwestern State University Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Midwestern State University Credit Union well capitalized?
Its net worth ratio was 16.26% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Midwestern State University Credit Union's delinquency ratio?
Its delinquency ratio was 0.47% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Midwestern State University Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 60.18% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Wichita Falls, TX 76308
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67549
- RSSD ID
- 827391
- Members
- 903
- Potential members
- 2,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.26% | 14.31% | 60th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.70% | 0.72% | 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -4.28% | 4.74% | 11th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.65% | 3.93% | 78th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 109.50% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.16% | 0.78% | 89th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.47% | 0.86% | 69th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.81% | 4.70% | 55th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 60.18% | 58.92% | 52nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.3M total assets against $5.0M; $3.6M total shares and deposits against $4.1M; $2.1M total loans against $2.5M.
$703K net worth against $701K.
16.26% net worth ratio against 14.11%.
60.18% loan-to-share ratio against 60.97%.
0.47% delinquency ratio against 0.35%.
-0.70% return on assets against 0.34%; -4.28% return on equity against 2.42%.
4.65% net interest margin against 4.88%.
903 members against 885.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.26% | -0.70% | 0.47% | 60.18% |
| March 31, 2026 | 14.86% | -0.79% | 0.74% | 62.58% |
| December 31, 2025 | 14.88% | 0.78% | 0.29% | 59.62% |
| September 30, 2025 | 14.66% | 0.57% | 0.60% | 59.18% |
| June 30, 2025 | 14.11% | 0.34% | 0.35% | 60.97% |
| March 31, 2025 | 13.95% | -0.26% | 0.30% | 59.17% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.